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CA2698890A1 - Presenting web pages through mobile host devices - Google Patents

Presenting web pages through mobile host devices Download PDF

Info

Publication number
CA2698890A1
CA2698890A1 CA2698890A CA2698890A CA2698890A1 CA 2698890 A1 CA2698890 A1 CA 2698890A1 CA 2698890 A CA2698890 A CA 2698890A CA 2698890 A CA2698890 A CA 2698890A CA 2698890 A1 CA2698890 A1 CA 2698890A1
Authority
CA
Canada
Prior art keywords
card
host device
mobile host
transaction
interface
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA2698890A
Other languages
French (fr)
Inventor
Deepak Jain
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Device Fidelity Inc
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of CA2698890A1 publication Critical patent/CA2698890A1/en
Abandoned legal-status Critical Current

Links

Classifications

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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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    • G—PHYSICS
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    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07737—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
    • G06K19/07739—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part capable of functioning as a record carrier on its own and a second part being only functional as a form factor changing part, e.g. SIM cards type ID 0001, removably attached to a regular smart card form factor
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/12—Prepayment of wireline communication systems, wireless communication systems or telephone systems using calling, telephone credit/debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W52/00—Power management, e.g. Transmission Power Control [TPC] or power classes
    • H04W52/02—Power saving arrangements
    • H04W52/0209—Power saving arrangements in terminal devices
    • H04W52/0261—Power saving arrangements in terminal devices managing power supply demand, e.g. depending on battery level
    • H04W52/0274—Power saving arrangements in terminal devices managing power supply demand, e.g. depending on battery level by switching on or off the equipment or parts thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

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Abstract

The present disclosure is directed to a system and method for presenting Web pages through mobile host devices.
In some implementations, a payment card includes a physical interface, memory and a Web server module. The physical interface interfaces the card with a mobile host device including a Graphical User Interface (GUI). The card executes wireless transactions independent of the mobile host device and presents and receives information through the GUI of the mobile host device. The memory stores offline Web pages. The Web server module dynamically generates at least one offline Web page in response to at least an event and presents the generated offline Web page to a user using the GUI.

Description

escli . 1 cà 3 aci le ost .~~.:._ :s CLAIM OF PRIORITY

hts application clain-is priority to U. Patent: Application Set al No, 3i ` 1 ?V43.
60/971,813, { on ?tt in t:i 12, 200 an U'-S, Pate:.t Application.

I 2/',0 .8.. . ied on September 5 2008, the entire contents o hereby TECHNICM.: FIELD

This "I"ve itio relates to netwoiv <)I F;?Et#t (,.:ttECi#.ta and, #l)Of pat#
ici larly.. tf preh nr 7t Y ~? i t F-.>,.,~:YiF...~. ~ pages ~host df,kive...B.

BACKGROUND
electronic devices and tokens have become an i#1? ;# Eled part of the reg#t a` F : tda user C peri nc , There is a wide variety of coimrton and <.s.?F#ititiEFIF...et:# }i3, .iE'eiS.ti3el device that users have in their posscsSiotl ifiduditig l #.tS{#?f entertaining devices such as cell phones, music ]layers' cc3:F..eras, '.T.iw t cards". iriet'tory token and S arietd of Possible. combinations of the mien -,z devices and tokens, All of these devices Ware the common lit: that i s ,a fore, COUM.ner ar accustomed to them with their most of the tune and to roost t <AZ C t.TtTÃ F'u <EF'eaF~ . _.:
places. Mis is sue ' across the various ÃLemogr'Z~ ~i.{e:. ) and 4 ` of the kve o. the ophisiicatio#; of the consumer, heir age gF up, t1.ZCir e hutcal level Or background, I hest common hand.h:. ld. devices o:i er. options SC#f expi{#'it.tal)F.:
i31f'`.{3'{iii s' FR' tcro (niicroSD) in the popular int<rface across high eti cetipIF:=iEzi: Y h. i. SD
and uR J14c(t#aCard lOW) interfaces are also av{#.c in { ~=;el:; ~{I^Ã., i.IItT{tf:.> t. Ti rev,... MF.F.=;S

;:>.> .1{k::..E.. ~.~.ti;i FfkF
T 1t:.as. c+.: iit.# 2it .t_Y#, Z iaÃ,?3E.#:.Z13si%tTi?i' SSupported 21 ~' the FT)-c~ ,ji~3 .t.V \$ t~'l=. .
i to.k ns Ft#. +,m.w, of si?,c), Iii addition,, adapto a#-e av ailabl t.` into fdsi: ~:fi#a t~ U ~3 ~~ftti: ZE~.~"# o f #"si>st. >i~~>{3. tz{t~ z=;i.:, r it SOD) Cile,- ~~ a ~ ia'~.. ~.~D , iL''#. Zi ~1~~ ~; <~ , ;: , ~
2.

prop#>.eta riter"i . ee, comp '.tF#. designs do otter standard imertaces. D. i ail cameras (3' " i r and SAW while etitmaw Digital (xD) 1\ anot er option. Z3icre a lAd:
i ' ini 2 s":.; ors o.; these Fnterfhees are also available in several f#
odels. a ini USB is in eas '3g y a.valusthie across cellph$3?lt.`.:?, digital and MP3 pin ers for iitpt >ps.

SUMMARY
'ie peseta disclosure 3:i Erected, to a system and method :inc presenting !)t%s. ~?
i pages :3. ro mobile host devices. In some imp emeiltations, a p }y ent yard include } oh s a.a. ?t?,er ace, memory and a Web server modulile. The ?hvsica ?I?}::dace i of s l host device e a ; r> ~~ l~ . .
the card with a a21E.~,f.E'.= host idevice including F<!~?i31~.:<>, :if:
~?ii~>rfic,C'.
t t `ti. e t. .:c rd a,:> ecut,, s wireless transactions independent of e niobile host devree I)..'`r)i23r:} ?on thX~;ll~.? i :}C; F .. C3 }(: f?":EF Fi .` host Es4.4''.~E.C. ~..'' e i'n ,3rese:i`s F3:}?C? receives t) meal sto. es offline W':A) ipa yes. The Web server modulo dvmani.Cc itt y Generates at least one ;?::line Web Page in response to at least an e: ent and presents t e enerated onliiie Web page to a user wsing the GUI.

TIT e d tails of one or more embodiments of the invention ri set forth in the 3.Lf: $)}3ii35 drawings and the description below. Other teatilres, .+,ft +}T, .:2Et 15 advantages of the invention will b e. apparent from the de,.e_ri t?os and t.i.isi fa s, a >d DESCRIPTION OF DRAWINGS

FIGURE x is an example transaction system in ilE:.~.4~?'E1<lF. ce Svilh so le 3'.}õate li it ti sil5 `i t ?.e present disclosure;

2i FICURE 2 is al example transactions system that transili i transaction nff n _ lion } ,. _rl}i i'i } cellular core network;

FIGURE 3 is an example transaction card of FIG RE , in itE. 3E:a:nce with sone 3=?;t P t ntat f)3'.i;> oft lie Present disclosure;
s RE: 4 is an example intelligent card that selectively obi itch:t)} n antenna;
25 .r`K RE 5 is an example, secure memory of an }intelligent card Fi storing multiple s r credential's, FIG ?UT ,) is a schematic dic gram illustrating perso*?;.,iza.).oi? of ?.iiel ii'=wii:L c frds;

.'A and 713 are flow charts it ustrating. an x innpl, method far ;; it 't <}tz to igent card;

F .>.Gt., RES SA, isf3 and 8C are exanipl2S of all flow iÃ::Fiktlcatikl.g call :s 8: ioii;i "Vi'i'11 an intelligent card;

? s `i is ,i tIt? -' Chart illustrating an exarnpic inc hou tb, ac v tin a card; and >ilGi:RES TCAand lOB ià ustrate example cards for ll+Fl,sing'ini<lÃigent cards.
Lila 21 F Li.c : yi.nbols in t1 c various drawings indicate He clemà mi, DE'I::lILEI3 DI SCISCIzTIO1 . CT.. RE is a block diagram illustrating an example tisansa :tit` 3 system or ;xF c les t'. c:EFt? ?* trait ac i its using an ziltt lit ':i3t card FretÃef?..nd :tai C?t a host \` ?.C.7ti t 4 device. For example, the system 100 may include a inleo Se= cu t: Digital that i .e.c utes transactions with financial institutions independent o fa host device.
Aside Fnic.ioSD, tll SVStmn 1M) may include other mass storng."., that connect an intelligent card t the host device such as. for exam1?Ãe, Mu-16:M
ediaCa F'd (WW" >, Universal Serial Bus (UST3), Apple Dock, thers. An, i,lts c.... .,a is a device conl gored. to insert into or otherwise attach to a hos t device and access or ; th,, vi e execute services Ãe. g.. transactions) independent of the à ost Elvv '?.`. In , o.F1:F the intelligent card may he sà qmd an a wic oSi.) card illc'itic? : 11.', for example, notches, Wed portions cFilcl'=:.F other fief,;:#e E. S. The sc^<eC.1.F?
100 may include an intelligent card that includes a dual interface. The dual interface.
ma ' connect t ho inteill:icent card to both the host device through a phys ca inieF'taFS::`=
("g, RED; ~aIvIC, JB) and external d vic:+,%i: through a wireless connection c'= . #1' .:.
ISO 14443; In sonic implen entations, the intelligent card Fi. ii`i' Fnciudc an embedded secur ..,.icy, 2. entry Processing l t. nit (CPU) with. clpera.ting si st:
iFl. cal memory and value added ;'sl?l?licati~eil accessible by the user through the host device.
.3 i psi device 2t may in i Ãi s ce:lil bone, a Srnart1)ilone. a Personal 1:)inital Assistant t e' l ) a 1.1 r;t.s 1 Audio ...`#c 3 (MP 3) device, a digital can-era, a c mc< rde'r. a client, a cotnpiiter, and o t..ae e iE ethat includes a mass memory and/or peripheral in eFfc:':. In some it3F1.af4:i,.t`. i.<.lF.. n the iii cliii t t .:u can operate !;i a rua ter S
,t the hio'i !'4LvIcc being i slaw such Tat the haelligent card control's aspects of die host > Eie:t l.. c. s i :.., i user " tc.rl' we, The li#t >_la en.t card in tiY:. c tern 100 n my o . iil.: tb loSLii1~: selectively activate an antenna for:bi'des' tis:x sa,.
t;ons in resp ` s to at least an event. verify the host device witl a 1 nanc.taÃ
institution ti?:ii3Ya il, zÃ? :;iÃalllple. a Point Of SAC (?OS) using <` host signature;
execute U"citisactiol, with a "ina13Cial institution through, for exan ple. a ;.+J
ie..E'II"IlE+z 13le:ie1?e i1.:i'J:N C= the host I`,L'i , aiid.'oT other processes. By~
,3TovidnF'g an nz (el igc it Card, ti3 :o ? 100 may wiF Ie`:sly Ex(.&.uie t1'<i:i3zacteC?ns wilt financial i#:i:~E1i.EFt C??S

widow'. either rei13iring additional harsh-wire., software, GEFI:'L;' ii F"C=4a.re on the host device iii d-.,>i vk ttho? i i'Ãqui3in Ãlli FFl4p's to oxisti g ii tdyv:l?"s `, 51f'w:FF."e., and/Or terminals to enable a i:isez to wi elessly execute i:Fisaction.

At. a w igh. level, the system 100 includes an oIliT.ie store 102 and ehe,,ts 104t, and 104b coupled to financial intiiitutions 106 through a network While not illustiat d. the system 100 r<F.y included. several int0nn+ 'tiary r?artie ..et et,,n the financial >i >ti lt:ii ii I0c and the network such as, Or example, a t, ansact.osi acL ui.iei ,m c`i oaviiie?t network host. The offline store 102 includes a FI?obili, sluice J. W'f.i 1.1avin s a Fa saction card 112a and a Point of Sale (POS) device 114 that executes transaction: With custS'smers. The P05 devic 114 includes a L: mp i al User a r .`ac EGU l . 1 3 Rn presentin intdi"natiion to Elie, or receiving FFfo7inauon rwri F.E. e In onl ill?t lemc?tat?L?i31, the ~t,): 11 may t aFl~mit a request to execute a trall-s action to :F'<3i34. ?:it authent at:ion the lard 112. ii ie transaction card 112 may c !.i?: <?iz?x<li 'ii to the 1'05 114. The client 104 includes the GIJI 115 for presenting associated ti3'ith the sS'sEL:FIi a:}t}, The client Ft-tsF ,.a..=1.FÃi.%;, a card reader 2'.".s 11$ that the transaction card 112c with the. client 1,i 4a. 'f he f nanicital ilst iutmo.? ti..? ?I?ay authorize the transaction based, at least in part, on infoa`rna i ii transmitted by the ti'zi3-lsact.it)i' card 112. The mobile device ii, inciudes a G... III
i .?3 inform ition associated with financial 11hie. a.f:ine store 102 is generally at least a Portion of an' having a ?i ~~se n `e (:.g_ buitl:i?iM } for operatiois. For example, the iti.ne store 102 may sCIt g sod. and/or services at a physical location (e.g . a hricAC i=fill iii+.t1't<3a store) ?t er ise C.i_.:ive ttree`ly to b::tÃ?i31e`s. In this e ample, tile ofilme store 1:02 buys or i?o i ,<:...~ ;3F'C?Ci ice_i how di', nhutot', (not llhititrateL1.) and bier;
inn s1: 5u' 'o ds to utt,s?,?<3i~.;?, such, as users of the mobile d1.evice I IQ. In general the of li-s't re 1.02 JU may ?tihi iOcf;-to=-face e li. t iences With customers in providing goods and/or services.

For i sample, the offline store 102 may be a click,-anduniurtar store such t.?-fat user .le. a ;t or service using the Internet and purchases and the pod. f?i' service a'., ti".. offline store 102, The offline store 102 may p o v:idÃ- one or ?i3 ?z e of d.lf-e=

i()i1() v .#3 ~~:F :.~.s' <?` C>C,:aa{e 1 ti FÃ? z;iYods: rove Ator . are ho w, -n , disc bu~,:4i4F'#, ukiC s:?F

t'i3.d S}?e?d=<iid<5:1, As a result, the C?ffli 1e store 102 nay not.
itnniedia.t iy di,trikae goods t"e',':etie,:i ? Mat?3i? Uti)1'S: The i?tIiine S:<)1< 110. may include a single, retail Why, _3 3"#1 . Fetal: 131'.3 1ti ti at a single geographic l ?CFlà i?i).. andtF' a ph-l alit of retail one > thelit:tses geographically daist3ib Ited. In some cases, à w or more o ti:ies nlaY Eepreie.nl t)()tttons of the same legal e;miÃy or aÃiiliatÃ's. For example, the efÃ`lint store 102 and i:i$.:tt.e Fb#t):?: al"., ' be departments within one ernem ise, III.
mn).tlaiv.. the ;fine store 102 may ~b;....,es 15 s:xe ÃIte .t:lnancial Lil3d)saet.tont with the in bile device 110.

Each motile device 11 10 con piise=s an electronic device operable t ? inn r'tace `0 ''w'ith the transaction c<a J 112& For example, the mobile device 110 may F''e:ewe and Orwls.3Fda` jv rel ,~J and/or c.ont?t ties l%~il ltiFdl:icatI:C?.i3. with tile s ste m W ?. w;t.--d in this disclosure, the mobile devices 110 are intended to encompass cellular ?hones, data phones, page-', A: ort;abi cor.liplttvi'a, SIP phones, ,,rnan, p.i; 1ws i;fcri ona F as ist ?Y.ts i. F'D ? s>, di,, ital cc?A3'. eras., M1113 p`? i 'C,rs, cami C)ri ers, one e 'l- mot'e' t,)#S. s. esso:::. wit `if).

tJ Me or other devices, or any other Butt Fi?i processing & vices ii}?abl of :iY'id. )dit;#. 3t tdF :i#FAc)t#imatton with the transaction card 112. In Soft e Fatipiem ,lnaii<?i3 , the mobile devices 110 may be based en a cellular radii-, technology . ("or tile i iC)??.e i,,i ice II R) may be a PDA operable to wi-rclessly connect v."itb an external unsecured network. in another example, the mobile deviee 1 10 may comp. ise a 20 4..ma,ti)hone that includes all input device, Such as a keyjiad. touch screen.; F Ouse, or ?the. de: ice that can accept Fi).ti?1"t:-latiC?.F3, and an output device that conveys associated with a transaction with the otf1in store 102, including dig-.."al d a t a , visual Intl?rniittdon, or G U T . 1 1.

11 comprises a graphical user interthce .1~t::'able to <:tiiif !' the li,'ez or 25 the mobile device 110 to interface with it least a portion of the sten.i 10"i f6l- any saita.i?i.. ` ?l e ei such as authorizing ransacction anchor displaying transaction his'.tt' r'y.
Generally, the. GUI 111 provides the particular user with an efficient and sel' friendly-presentatio A of data: provided by or c i)13: innic l.ted wit lldl the s stei)'i and S. a also all efficiee, and user-friendly means for the user to self- niaria1õe settintca '':End a ces ? services C?Flirted by the financial h.tstit.ution 106. The +.:(:i1 111 nl-a f)'iprise a flu alit ol, cl:stwnizable frames or views having interactive fields, pui.-down lists.
and/Or butto s operated by the user. The to m e raphieai uwr interface may be used i',`.
the sin f de,.e k -.'r in the Plural to describe one or more grap1) iS.ca.
riser inter >aces and of ?tip ,a.isp y", of 's{ partit liar graphical user interface. 1Tlle_ GI.3I
11 I i'r..FF ifFcitldo ifF~' gi-a `pica. a,ser inter.fiaee, such as a ge.ili'=Ilc web bio`a sere or touch JC.re , that pir esses F.'i:1i`z illatiC>,, m the s. Siem 10I1 and 14reNents the results to the user, ilie uma i ?ii cad 112 `van include ally software, hardwaro, i:l>Sli 4ra.3',d to 3:%3iti Sti l' execute transactions with the P(5 device 114" For t xainple., the card 112 may t ?ecut a ei).iltaeU ss transaction the P05 d' :-tee 1 1$ independent of the mobile device I iOa. In other words, the tra.zlsadion card 112 may vt lessl ~: `i c to transactions without aspects of the transaction be lt3.i; executed by the nubile Mice 110, i'he tra#x_+Fictio card ii 1 2 ma y execute transactions with the 'ia P05 device 114 using short ran c: signals such as NYC (mg.: 1.s0, ? (r>
a.~; 3.` 340.).
I`>0 14443 type '^ ISO 15693.. e:tica, WARE, B1i:ietooà F itr ~~ deba, t t s_ W.F _ 1:a Si> i'i`e ,.t iai`.'y' ldentitl.e:#' tklj1. )"a, c o l actieSS signals Pi'i)...inlit4 and/or other si;õnais coni1..,atlole retail payment terminals (e.g_ P0.5 114). 1#? some implementations, the tft.l#,.ci to ?la card 112 may include one or more chip ets that . execute all ot,el'.aiii'ig System and security processes to execute file >: sa ,],??`>, In dome so, the iobti device 1I (, does not require additional software, and/or :in ware to wi elessl execution a transaction with the POS s.
14 st-fch as an NI 'C ti':ins ctiCi43. In some 1#)11:1fi entat7.i`ns. the f.f"ii4'f?<3Gt4t)El cat-i1 12. m ay execute one iii: more of the ;following: wirele.ssly receive a request W n the PUS

20 device 114 to execute a transaction and/or and provide a ..z=: sponse; it"r i state between Vvir i, $ `rotocols and p otoc:ols compatible with the. transaction card 11^'"
translate betty Ti i`.:ranscti,'ti n i4'%t prow cols and protocols compatible with mobile do ice 11 0;
present in ormat o;.. t .g., PIN reque:. PIN) front tbe user through the GUT
111; decrypt and encrypt in'forniatiorl wi1e1essly transmitted between tile tzans,.,,cdon, :r and. the I'US 114; execute applications locally stored in the transaction card I1r' iii switch he antenna of the transaction card I1 on and off 1based, Oil one or more events; execute authentication processes based, F3. least in ,:'.fig. ` in ` part, r"

part, of a.: nnation received, 1C)i example, through the GUI Ill; transmit a o t A ( , n a, 7 s t i 'c`5. ' at s.i ; fF<3tti S , i.? 1 .1`l i..,<::1,Ci iSi to at lea t a transaction t.. ai1.lE i itoi''u=; I,# i. in pa, ,t, et atla of the transaction executed between place bot,,vicen the card .1 12 and the 1105 device 114; generate and or present alerts (f. audio visual alerts) to the user through the GUI > J I 1 I 1 : g eni'rate and/or transmit wirL I SS m xl ?t alerts to the financial l"'),6 u ing tile. ialobt. d device 110 if cellular capable; and/or Moo. I,.
onic aale transaction card 1 a2 niay include a communication, #1lodult::

>, `f3',~it?t ns.ar:i'332 31 TC1# e. an t i'Fina Ei#3IInt; E IF'cuit.
j3t3w' ' <F#'f f#A 1it'kf$ a #ld ?'4##itur 31 na!,..:1!3 d 1:t) e_xonwige wireless data With a retail ter-ninai i . c.

In ,o :.e ;rnplemee tations, the timiilat.timi card 112 1'#1#iy initiate a 1#,.1:zsact E?#d in reti13 nse to at least a user selecting a graphical element in t1:1C. GUI
III. 1.e transaction card 112 may initiate a transaction with the 11OS 114 in response to at least Wireless :a' a 1,;st transmitted by the. PO 114. In some F:ti3131i'F:11i ntat ns, the transaction card 112 may selectively switch the antenna. between an on and off stat 3 response to one or more e tints. The one or more events tam y include is user l et, aest, a ompieti: `,#a of it? transac.i. nseition of card 112 in a dill.erent mobile device, location change, ti#aie events. detection orre=i PIN entered by the user, change o ,Yi.eeles.s .
e..iork t.:vat the device r nnected to. message received t*from and/or the financial institution alit ttsi#it .w izl < 4 m,_ lied, such at, ~i~=~ S }' : C3 ~1+.# <'. ,yrEnE:~. ~tt Y
,.. 3 i:1P 3l Ic::, t13Z' transact;. .-,, card. 112 may receive one or more om:t mans to switch the antenna .,:f from a cellular network (not illustrated) through the mobile device 110. In sonic Fill>leme.F.l' ations, the transaction card 112 may request user idelatifl at,on such as a PIN, a user k and password combination, biometri signature, ani /or others.

In regards to translating between pr )toc.ols, the transaction card 112 may process 3 a z `l'1c'ttil:ii in, l' r example, ISO 7816, a standard security p, otoco :aiE1: or others. õ AS case, to transaction card 11 may translate between in NEC
protocol (c.< ISO 18092) and the, t:I'itl.i kLtlf~#) C:<31'f1. protocol. In some i3'l plement`.ations, ISS.
7816 con-irnands. may be encapsulated within interface commands used to transmif data between M. host device 114 and the card 112, L n addition, the r.1nsaeiion c a a 112 -lay ::tz >. is the x obile device 11() through a physical interface suc < s M.ic1c? 1 : , 25 M Si) SD, MME:, nainA4MMC, m eroMMC_ USB, minil S 3, .tai,;;.( SB, fIiew re, land, or oleo. to regard to security 1)#()<s:ti~<.J, fthc t efiti ..tlC?
;.<a'u 312 atilt i,.l?:i1il ;aat i 3lw d:31' lilt 13 riaerj tt<ai'1 'illgoutla:Od' to secure transaction b-'If?ns lion such a card iat+i.:ber i.rdit: card number debit -card li'tE.iT br, 1?,:,; ,s account it'lai3?Li"i, zÃ, arid 'f?#' i3tl"1'=1eL-ltt"E' related iTiaf:l`lilsltlC?#a, The S.till'lE}' l 1iRF'C%d:

;':,) infb.r nati+: n may include an expiry date, card verification code, user name, bon w phon, nu ..b#: , tuner zip code :and/or other user uiti?i'muli<O associlted with verifying an i 1. nti of the Card holder. In some implementations, the transaction c< rd 112 ma:.
execute private kry (spillnet#ia algoritlld#as) Stich as DE.-S5 IDES arid/, oth others or 1}uI)iix key (asy"2?'inietic a gorithuiis) a as RSA, elliptic c13.1'ves auto, CD11:ie s. 1.1"1 addition t.,,e f#33smctio23 CU1d 112 may include meiT?oi (.',gõ Flash', 1;1:'.
DR.ON4) for :o t?.i'iTi data a1s 31_ict atit? ?S, J1111:ne ebp: ges, a ndib1' othef"
inforination, in regards to app cations., the transaction card 112 may execute a locally stored application and S Pre ,e:nt to and received fiilhrmat1C?3'1 from the user through the ;_: +.t.
ill..
;'or s :3i? le, be `i iTiS:E t3i?.i? <F3.fx1. 112 may amay execute an application Ff tit Est synchronize.

an amount balance ith the financial institution 106 using the C': 1. 1 11 and the mom 1s: =
, -vi t It Alternatively or in addition to a p t ? , . i c a t i o n s , the transaction c a r d 1 Ã 2 -my-prc'sen'tof-fline in x i ' e b pages to the user Ong the GUi 1 i 1 . In res p133ns to initiating a transaction, the transaction card 112 may automatically present an offbinc, 4-Veb page ,',Ã, ass z iatel through Inc OUT 1' 1, u so3;i' e implelnefitaÃ3ons, the o1.111n : Web page can with rui:...i..f:_ ;:n t.ii.i?ion 106, In some implef3'1entaiions, c n.1 112 can a 17e'Y. e<,?3.131,.1Li.? G. and operate as a mass storage device. Foi-example, if the wireless inlerf tko of the transaction card 112 is not available or the card a1' may operate as a iriasi storage device enabling. use to access data st? red in the memory componen (e.g., Flash). In some the least Fi:i3la:tt.ti n ~ and I' N i ~F:17 execute c3 S 'e ?3 inn ializ<!ÃIt>il i}1I1fF < nds in respom to at insertion into the mobile device 110. ` hose initia1izaÃio 3 coil mands um';' fF1.:lude . eteafil.nn r device related information IT the .i iobile device 100 6-g-phone number.
2 signature, connected netwvor1,. 311+`s`:'3Y3~itFC33'i, location tf?xCY.
f11,i.F:#Ã:> h .Fin:; other avadable ssro + ià es . ?..fen?i3ning use, relating inforoHnion i<..;;:, PIN code, activation me e,I.e.nt.i3. a count rs, setting" a s and i.Gte.FFating/dearÃi.' Ft 2?.
unc..:fi,~F1 according to l re exis F>t u1.~ `Fltl!tDT algoriÃhills.

In some i uplernel11.a.tions. the Ã. ansactionc'aN 112 may auwr.n tieall4 execute 26 one ("r .'no,,. fraud C:i?.nu'C3l processes. For example, the t ansa Lion card 12 may f l~.f~tf1 ?t?erat3ona change and automatically transmit a nodHcadon to the financial.' ~1F1 .,r.ion 3aso , at least in part, on the identified change. The FY.ansauion card 112 m aj execute two baud control processes: (1) determine ; violation of one or more rules; ;1,,n,, (2) ` automatically one or i"E2v^t'C AFC: Fic71iF: in response to at Zvi?4t the so yto3a13om in regards to rules, the transaction card 112 mzi locally store ales associated i h updates to operational aspects of t lie transact tiioi card . 1 Y. F r exan-ip.'e" th Elan sa: tion card 112 may We a rule indicating a an4ge in mobile host device W) . is an operational violation, In some 1]i1Tiern ::1 ~%Ff.tons, the e:ransa iTC11? card 112 ri }<3SLt at e-slit in a?}rt, c>3i updates to one or more i?.Ã`ii3~' pholw nii# giber o h7 35t device 110: MAC address of ho; t ds .}c,,- 1:`;
,34.. 'ork 4v.i14ie;s,=.`' :'i?fiileCteU w Oast lie t :Ge 1. s 0: location of host dei _}ce; aid '^:?F odic!

xi7 ..5i`:?e1o to one or more events matching or otherwise , i tat3n< ruts the:
tf?u 101J.l +3 3 ? 2 may . xecute one ?1' a3:It?3c processes to ti~E1 yta F
Fctl1 ' i?iva'i:FFÃ f31' ?tiw, k.sse. o I the financial instiÃutio#7 106 of potentÃa.}iis fraudulent For example, the :i'<?13ti<:vF:tit3:i card 112 may execute a command to block an ,sso ciaÃW, tiser aiccount and/or the transaction card 112, or in add tlow. the transaction H". transmit a command to the financial institution 105 to cal. the mobile Ji0 it? ,a tti vi =,. I 3 0. In some #:[3113 ;'..#FIt 1?E<1`i#.i i3. +, the transaction card 112 may execute a c+? 3 at l oast x s> t #i.,,,,, ,,,a least in t3it:., on all event type, In Vii;#13,. +:
.f?#~Ii?.t:s, .Iis `. 111 cia:i? ti i.t3}t?,:i{i: a call Yti':':i? the financial :iFSii$EIt3i}i3 l,,,F in response to at ~..<3..,ii. a e in mnibe} of the h st device I10. In sonic i xampics, the transaction card i dil<n., may ro-em-cule an activation process in i ssi?L3i7 ' to at least a specified event t ?i. An 'I ? a.ct.i'at.ii.n #72c y include activating Eiie transaction card ii~+iai C?}' :Ã-inancifFi..IS.:: FE.3Fi3.
as discussed ?#F ?iii re d .tail with respect to i i(.it:`RE 9. In some. iiF
;.3Iellic fFt<ai:fo:il t 10::
transaction card i 12 may execute ai command to disconnect Inc Gi_%i. i I from the transact-in card 112. The transaction card 1.12 may present a discoulzeetf<_'#1 me ,i?t~Iicati ?i, through the (IUI 1 i prior to executing Ow In ,o cia the transaction card 112 may transmit a corm-ta d to the Em institution <)s to an ac ount associated with the card 112.

i'i ,>:~. ;L Ft ii3.i0:}a7.Iat;tl s37s. the POS 11.A may transmit a t ansaction request 117 t ? the card 112 for iniorniation to generate E'ii :EE:t.3t?ifr <..#:(?:[>. 3 equest In 3t`.+13i nse. Ã3 : leas< the fr,i,zsaction request, the transaction card 112 ma transmit one 20 or a lore transaction responses 119 identit'iug in1brination associated with a 3ayn nt F Fri:fFÃ, i;`. some 't#i3.7i i11C'Tit i3.L?fib, the POS device 1 14 may transmit request i i i3 'to :-i3.}t1,.?it., i transaction to the financial institution 1 ,06. The :xFtli.
~i F..~it.i.=Ti 3.i31o.i?f<3f?3"t Triia ~ F.i; }k?ve all account number, a transaction a37Iounnt, user cmcdeut,al. . n o ot`.iei"

In response to at least: the transaction request ct?te financial instftuÃi.on3.
30 1016 may transmit an auti.tori:2 itxt n response 12.0 to the. POS de ice 114, in some the P05 device 114 may transmit the response. 120 t the transaction mad 1! 2. The transaction response 120 may include, for i?f es 37,c} . >f m o the user through the (:E Ul 1 .11a:I. In 'xnll F: X1a3Ae:E3'i~ 33Ã .'t .i }Fib. the f nancia.l insn'tutiofl ??; Illy 1 transit: i.t the aauthorizat#<1f response 120 to the nuobile de-vice tilt.'(? ugh a. cellular core livtwo3'i`. (see FIGURE 2.i: In thi ;
:inplenwlltationF. th finat"ci l institution 106 may ha:v e stored the associa:io between the mobile 110 and the cad 11 ;1t.irin til user sign-up proct.s i, autoinatkally upon user activation of the card 112 when, for ex.FF3mi.ple. the card 112 is initi .liy i 1serted into the i3F(? ?#.. te>'3Je 110, a#tclr'oi' other event. In the illustrated imple.i22C3itatio the PUS 1 4 it :tiid z'the .GUI 109, he CI.%.1 109 comprises a. graphical User interface operable to alloy ' the u.
er of the P OS 14 to interface with at least a portion of the system 100 for an, suitable i`. pt; rpos , such as a user entering transaction information (e.g., PIN, tr ntsacÃIE n acceptance) ,3. dAm and piest ntmg transaction information (e.g., transaction amount)..
x.:n i }1t '.:he (l..t 109 provides the particulaa user with in efficient and, presentation o; data provided by or communicated. within the systc'm 100 aando#' alti an efficient and user Riend1y means or the user to initiate a ~Yirelos`.y trans ctioii With the transaction card 1 W. The GUi 109 may present a seli s of "c: eeils or display:
to Il.i,:`,`a o..i?.i eY3mp, accept a transaction and enter se =uSitj inifoimati<m such as a PIN.

in S:..iie tY iiZ~~er.ne Ftil'. onS, the fF'<3IF:sact:d<3#.. car 112 can be impl .: e t <t.
di.Lit em."k=. he transaction card 112 may be impicinemed as a K y `OB and FC.#T3<i:
20 ii.%e outside: the mo& de ':ice 110 as a }'OB. In this case, the transaction card 1 12.

may he ;::=;;,.5ive and powered IY'(?-IF-i an induction .I)' agnetic -field generated by th.e. 'f. S
1 ? ~i=. a h transaction card 112 may be implemented in the .f rm of an industrial lilt:(. t `x <i:i i.. r~ :i:tit . =13..13 for i 3i)EiJifi3; (?Si a PCB or IC
chip. 1#_; 51?F:F:` ilFi1#1.:#'le.i3 <2Il>Fli, _ chip the transaction i:ard' 112 may be implemented in ti?e form of a self -ont tined c sktop :i(3m 2,z stars i..one unit powered by external AC adapter or stand tt,?ne boN, In inip1t oils, the transaction card 112 can be implemented as an e: t:einal attach me#.,t a mobile de ice 110 (e.g.. _ case, and connected to the mobile ;1St 3;; tl t:>t,A Ts-1 interface such as I.iST serial pot't, tic it.To i. pp1 : reprietEiU' d/o;r other interface.

0, In some ;ilisl<',33 entaiF?.i1S, the transaction card 112 may operate in accoadanoe with one or more of the following, iuoi. es: active card (.T>1 ulanoF active reader; self train; hOl : memory, inactive and/or other modes. The trans ction card H.2 a ,,.ay operate actit e cai.:1 ::~iiii.ilatio.n anode to convert the mobile device 110 to a c<3i tacilesS
- to-1`-ta y't11za:. device, loaded with a financial vehicle TV) that. may be, tor Gxa,-npIQ, a credit t: ird, ii x1 :,`.t card, t, gift card and/or other retail payment pEodii<t.
In ti3fS 31 F. o, Ill.i'.
ttr`aF18ac io:ii Card 1 12 may execute payment tT'ai`2 iaC'tIL)I1S at any s;
apa.?..e FLi l payment ati'tia?ta it :. PUS 114) that accepts contae:tles+ payment transactions. For ex a':?z 3 i', such ii'#:>12.1...:` ii ay be cont'Fe 1US3 tl3il13diC t =Iniinah; curroritly being i:f%'~E?.Et ` - by merchants tinder !Y. asterCard's paypass, Visa's pay41 ave programs, Amex ExpressPa ', r)i:Stove: Zip... and/or other payment prog atams, After th antenna the traEax<.s:t+iit card 112 .. ,aLt:iz'xitt:cl in this mode, a P?IL:3'i li<'ai3 terminal may detect the pti.Sa:t.:t' of a host device w. t12 the transaction cud 112 and prompt the use to aaut11ooze a ai' F115:.. >`,n.
such as entering a PIN, i ilatif on a terminal interface , coil fial3 .mg the ,.amount of the i insaco:.t?, and/or Elder action In this mode. transaction'; nl. .ny k handled . S
a nor 3.al 1> pres tit t..ans action. In other Words, he PUS 114 ma percorve tile transaction curd 11 as a contactiess plastic payment card and may communicate with the ,$. ,.....1.` a card 112 as a contactiess plastic, payment card to execute pa ment I'S tran at. do o . in these implementations when the card 112 operates in an cacti. ec'arit i:i:iaii ati 3a.? m at ire, the PUS .114 can a4imbsM y communicate SR i:..
tile ,ransa;~tion card sing t e sairo signal" used to communicate With a contacttess Plastic payment card, ... .... ict.i4'G-=i'i.F'ia emulation 3-node, the transaction card 112 emulates a contacO.eti plastic pa rent cud and n,uy be backward E>ilmpatib e wan the PUS
11 `1'.

20 In this im lementatimi, neither the t42T.i2.lnal nor the 1ii1:i:I1+'? i1 institution F; require`
additional z:43>?`w ate to execute the transaction, In addition, the transaction card 112 in zi .mode art ay be used for Other applications such as physical ac ces`
control (open gates eider in a corporate environment, or in a transit eiwironl-nen,,), o,gt tc ?.:.Sit13 access via is 110( application .Ct,-,,s cotitre'l bay, access 211 = for ~ des such as transportation, movies or Wherever payment needs to N.-made to 'ain access to a i:1wiiit11, and/or other applications.

In thy. ctive r ;ader nwde, the transaction card 112 iii y convert the mobile a coritactiess at tia(1t,a' i1'.Z?it: c a able of-receiving diWk w er, lil.l'=it``?'a E?1 i tail, milt#:i, to :ninaii t,e g , PUS 114,. h some implement ati ns, this mode cart require 13 special NFC hardware with reader mode capability as part o, the transaction card 112.
In the event d"at the mobile device 110 is proximate (e.g., > 0 cm or less) a transmitting, termz.t zt the Bader mode of the transaction Gard 112 may activated and prompt the .3se i j authorization to receive data through the GUI 11 .1. This mod- may only be devices 1.10 with a 3.. 3. C fi14 f1E JL2C 1 i <'sf> OK button asit3 a sci' f, m i.:113.# to ,x,di ate that data reception is being requt 3 .el. and/ ``: ' ;.

the user a"I hortres the t:f"_.?f:~miSS?t?f'e, the transaction card 112 in O
his' f#.t ;is:le. may re e:i` q <i# +_1 k) l.F't, Aoiz '., p 'icons' and ,,ri execute a ifcii-isactioi? F
act,"L i 3s.?'!=F Ei'C fC+_'Ã i3'-.o C? dam to another entiÃy. For example, the transaction Card N2 in this FA?e?ue m ay receiv-c.
content through promotioll:i3 Posters, validÃiiitig the purchase of a ticket, TE .: o others..
For i`m .7 the t, s awde may function as a mobile POS
.1<itl53i`v.iC?fi card 112 :. W tll:i , tt:?'il?33-ial :eceivi$ig transaction information from a Plastic .:<;iitÃ2etlc as card/FOB <:in fnstrl:w A h POS 3 14 to prepare a transaction authorization. request for the financial `F.st.it:iõ z#'i li,)() though a cel l.durr ore network. Once the t?1? in,:.
al 2tlbtiti:it:io#'F P06 3ist3 i?. ,. the tmn,act?on, the mobile device 110' may displa the c F?.3:Fun non fo f the transaction to the user through the GUM 111, in regards; to die self-,.rain mode. the "transaction and 112 11"fay ex cute a version of the reader merle.. In some .implenlentakris,, the self train mode can be c i .tted by a specjal action F is needle point press to a small Z ;.tC t, entry 1 an :i.Clrfii?ist, õL,, password via the \St.'l 13. i ). In responsc to at least ac'ti:'a6tig this mode, the i an:sactioi: card 3 12 may be configured to receive persso;3,.i" zatnon?
data over, for .x 'liT3 e. he short range b'#3 ens if?tCit#:iE t from another pec t#'t3flsact on card such as the plastic cards compliant wFt31 this functionality ail d i5 n. ed by the financial 0tiruti.`n. 106 or a specially 3.?1'e"pared administrative card for this puny?ose.
Person i i< `t~>?i data received in this mode may include encrypted FV inifor-natior, that is Stored in secured .memory of the, transaction card 112. In some fiftt?i ::i2ientations.; the transaction card 1; in this mode may receive the FV infbrr?.l ration through a ;s _s?:t?,ia,iless ?i?te.i'thee of a transmitter and/or others. The transaction card 3 may than tir., 'Snalize ii 2~ SS?.ithesiz be hV .ti:i1>t'til,atiori that corresponds to the user accowit and internal s e e:it~' module that includes, for example, pate e. `. applications for executing transactions with financial institutions 100 and associated use creole tials.
TV sere-train mode max he used to re-personalize the transaction cards 112 in th ,:iz d.
In all provIo%i, data can be deleted Of.' the sett ::t,..#:i?. mode: is #cti.ate The sel#-train mode may be a peer-to-peer personalization mode where To ird , 12 a ?y receive personalization ill-tor. nation from another :r nsaction card 112.
Ws mode may represent an additional personalization {l ode as t oil.il: arm"
w? -ti acto `ore ind or Over- he.-Air E i 1A:} persC n llizatioef it:ena ion Z? ll.
ch al ay be .3- to ,:1 i .t pei'.SO.0al.l..<1ti'?,1 scenarfos?. 1.1 sonle impwlncfn1a i.
fi:i i, `S':t` s ,~.i i# <1IF

e main ?ctioff card 1112 A3'iod .i3.: ` i ii`. peer- tea l)t:(i st f' i?EI<, 31..c3.Ã'Ftiil mode ' ier0 th receive. inibn.n?-tion iroff3 another Ãrini:a0.#0i3 card. `i11t. two t.i'<iils<.i , is?z .c.# t1s 112 are used in this mode, this mode may be different 1r" `m a ewer-e.<?-C d ent oe,st`,na1..aÃ#.on seenir o as with a factory, store, and O'TA

13 regards to the inactive mode, the transaction card 112 3i3< y t?#'1jx,,.z' r l "y < eeae: ti, ate the (Ont:<ctlesti in some 3_iiip1,.mFfertatioff:i, in.F: it tctl., c m de. can be scbv..i:e through the physical 1i.ierthce with the mobile deviic > such as R1 inicrOSa Wilke, in response to at least the activation of the ?i3 ,:-Ã ve mod:e, the transaction card 1 *12 irm temporarily behave as only a mass.-me mory card. in some the card 112 may also enter this state ~F hen the rosetneedle Point is = .: f"
pressed. In this r node, the transaction card c< 112 F13i ~' i 2 ~Its.s eõ' `~: e.#lfv 'st infi>...1..,:iti ..2 lne ludin financial user data. In this mode, the transaction card 3 i may execute the activation process and if successful may return to the active mode.

i 1+3E1<3i~ n.it institutions 106 may use As mode to temporarily prevent usage in response to at l} ast identifying at least potentially fraudulent activity.

in aids to the killed mode, the transaction card 112 nmy permanently dea tiv ate the cont<l.ctiess interface, 4111 sonic imp .i;mentaÃions. the killed f?f+:Cte is activated 1.aoilg3.i the p13; sical interface with the mobile device 1 . 51 >13 as a microSi) interface, `>.i , sl?onse to at least the activation of the killed mod o, :fi4 transaction card 112 may errianently behaves as a mass i3 emorj stick. In the event that the reset needle poi pressed, the transaction card 11 2 may, in sonic not be made to t nter any other ini?d:s. In addition, the transaction card 112 v:Etas delete ?f:t ?
:in?ncial e ?..tent i?2 i3ii:[ o .Ff1 ie=SponsL to at' lea t Ill?s lode 134 iit activated 'lie 25 IE1'Iz =.32 i1i :,.i,.:l.., f.nani ial institution : 106 may use this irE,_?ile to delete data front a tral:sac,ji n and 112 that is ph sically lost but still connected to the i'iE..less no"'wor vis. the :its` device. 11").

>? to M 3rd: to tl e iii f32;33 d triode, the transaction card 1 in, 4' p #"c'AÃe'. ''is a a ass memory s tick such, that the in mory is accessible thro11gh e _nv% 3Ele?i3:il fue113od,'s. In 30 soi3:ie it.`>i`.4ff. =3zt itt?f?u, the t at?saction card 112 may auto?:eiae?Lit iZ' activate this mode In >esp wise to ti. least. My removed from the host device, inserted .fltO a autho,.,zei3 host device, and/or other event. T ho If'fliisa 't "s1z card 'H2 may be s hell d to _ ctive nwde Win the memory mode by, for eiainple, inserting the card 1 3 2 ink) i3? authorized device m ma)' be switched ;Ã#"d' m this mode into the sell o in lalisElt_ to 'e a;e:ison alize the device h a new host device or a new a.se accou t. In som à e memory t od': may operate substantially same. as the inactive mode, In some ;:dX?l:?1'i3'i ':i?tf.ÃItidl:: the transaction card 112 may tx, =.'o-I' (?FF i?ts:ed.Iu?it.a:t'i~s such as using software device management process and/or a har.kvacoe reset. For example, the user may want to ?re-per sonalze the t-.-air-,"action cai-d 1to cha, 3L?sit devices, to have 32313.113?l host device".. <and F s>e.i?i B IC; In regards to the soft-wam device maal3igc1l"e#1t, the user may Iced to :.. E., dle the new host Woo ? th 133:: transaction card 112 inserted to launch the o twa.re. + evi :
management tapplicat.ion. In some il:i?:? Ci 3+ d'ztatjoI s, the s fm'are f?' ana ft f#..ent app3rciatdoi`. can be an application directly installed. on the Wit 301 into .ated a plug-In to a norm al synchro l.zii.Ãi?F2 application such as Act.ivc.S uc, uE. ailabft- viii a:i b#'owse raining on the p31#g.-li'_ providers websu e3iZli:`(>t other sources.
The naay, o into 113:' appfica3.tl?u and c e ri1 ' dici ' :identity, and #.. e pon,a? to "'eri katio 3., the. application may allow access to a devices section in the device management <app hcation. The device management <,i?phca.tion may read the s p s trans action card 1,r and di play' be.. AAC aaddIessm signatures of t be:
devices that he has inserted Its ="`f1;=3 a1 to. and/or other device specific IN mobile devic.. 110 a my be naked as active and the host device may be atzt>ZS'I:.as disallowed or na#, tice. i'li p 5llciation# may enable the user to update the stag os of the new Bost devi ~, <a:?. in response to at least the selection#j the device Ilaaan T:.
`iit 3: il,ltl.t:iat#.?Ei.
may install the signature on. he new host device and mark update be status as all wal,sle in secure meniol), of the transaction card. 112. The. us t may be ;a le to al'i;so upd<atf the status of the mobile device 110 to disallowed, tall:( rwise 3?t?Ã
F .3 S'IMt Flifi :
be active and the transaction card 112 may he switched between the two devices. Fa regards to the hard axe reset process, the use may use à ie reset net d.le `isFk?t press on ti?i; l .ij-Sn. if -.ians<aa-lion card ,.12 to activate the s ell' e a1#2 i od.G. In tans i3'ia3tEt', the ns ~~ l a 12 I WI#tthe t# car C
,.f`:'taala~" al dam naa be deleted and EI, t, lJE= reloaded When the ...,><3.:#.. .a. õ

3 is inserted ilito die ;a1.".- host l+ 1'ic ,the 3:`F~>\ isi ?#l#E?
r3F'o.,i3;;; may begin as above.
e .POS 114 earn include. any software, 3iar'dwiai'e, and/or liniiwa e t'a recei4 es tl'om t the t#a:ansactio:n card 112 account hil'oE mation flu' executing as traaflr<t :t.ion r5'i`th one ('. . 3o: e tii cia., institutix.'n 106, For exainp.. Lhc POS '14 rnay be an ela'circ:> =i'. asa register 'tpaa?lE. of wilelessiy cE'zrninunica i#1g ti'.atlsale;=,if)ii inf'`rÃation with the transaction card 112a. The. PUS 114 may co-zir unicate to .: asa cti n i:iitC)n a..: ` i associated with traditional contact p 1:4I2fd; nt mot hods plastic cards and if enable f;_;#' payment trainsactions the US 1I4 #_Ã1i ?xnation With the t nsactim card 112 in one or morc the :d/o.
t' `'g a 0,92K li~)~~ =~=1 _. '1`~ig>e AVI~, F~:li~:;.:, ;L~1il'~lr~, ISO I ~
IS 15f:`$>. w >.,.>
oters. ; '.. transaction information #1 ay include verification inform .;i:)Ã
ci ecY
ni mbz =,'õ routing acct?" nt. mwniber, #itÃItiacti ?i ain,,mmzk. tiff e.
dsivo3'`

i?E3mb Ã'>`,'Ql n, ID, inw chant param ers, c.edif--card number, dobit'a a a1 numbc-r, digit l aiad,or other :.i1:orm iio"ii, In some 1i11plemt.i1tati # s., to transaction Ãntbr. atioi may be encrypted. In illustrated implementadon, the 1135; 114 can i4'Ãi'f esSi receive encrypted transaction information from the transaction card 112 and' electronically Send the in.Ibonation to one or more of the fiaancir4i instit-wi-ions lf."6 tE?r i`Xiin may >e EE; r e a C i pi~%, the P{)1 114 ii"iti> receive an #t2~3dS.%FiE.) t.t. .:ia, <.>
,><.fÃa,acti)n al-nmmt 3i:4 been accepted or declined the the identified account and/o' re "nest :3:ddi6o-,..1;... intor;.nation f oi'n the transacti0n card I12.

As used. in this dischsaxe, he client 104 are intended to encompass a persona ;,tz'i:t.`l terminal, workstation, network, f:<_)d 31'+'tFiC.. a. desktop, ,.t>:.
Yi+ii'e:ess .:x?,,.: port, smart phone. PDA, one or more proce Sors within, t 3ese or other devices, , any other suitable processing or electronic device used for Z
ewi,ii transact on "Iroriiation associated with the transaction card For example, the clime 10 i .. a be : PDek operable to \S'#E'f le sl\% connect with an ext:
nird or unsecured ne`,i;vv# k, In another example, the C lit nt 104 may comprise a lap top E
.12 i dudes an '.>. input l'i e L., such. as a keypad, touch screen, i? ouse, or other device Ã. ai. can accept information, and in ow put. device that c+. nvOys information Walla titl,sa ta.ait~ executed with the financial institutions 106, including digital dal visual fir? ii:Ã.tio , or ZaU.1 .1 5. In some iinp'ementatioas, the l lie it ,0 i) c ax, e tieiess t' communicate ~'Vith the tra:nsact.on card 112b using, for example, '\I
p`i'otocol. In Yl-, ii?s; a p_> sll:Faz 301 the Client I04a includes a card reader 116 ERÃter a.-'e ""a r c'oll-ln-luilÃcatiÃng with . the trans'tl+ ti iia card. i 12c, is some +.terf.ce the card reader '16 # may at least include an adapter 1.1.6b that adapts the supponlW- by Me client 104 (e.~?.. i. `ilk, .i'tr<lx it , .i3luetoot 1, WFi) the physical ilic'i <3l .?`te r:?k:<i by the ca-rd 112 l D./N In l E f4C, wile l'1 f.:23i E
. 3t. ?.i3 iy' ik^sà include a ti;:ii ekv'ti't(r wifeless coimuiinUf eatiali..

The t,.I.' 1 115 . ?iT p is s a giaphkeikl user ithernzce operable to allow of the c l..:;3t 104 to at least a portion of à 3e system 100 ba c:ny Suitable z' ?i%;.po sc, si t it as y i wing transaction i.nfor'mation. (3L erally010 GUI 11 't ,?ro idei the ?a 7.iaia user with an ellicie-lit and user friendly presentation of data p.ot`adet by t?i' l:`i hhin the system 100. The GUT 115 inay comprise a plurality of li Ei?t`s<3r tsi.tt%siii Gusto i i ;i'i?i?2r:4 or views 1 avi.ng i nter'<a.c:tiv,e fi lds. pill,-down.

>ne.i`at..sl by t e user. The term graphical user interface may be used in he singular or in the 1?la mal to deicribe one or Tn re graphical inner interfaces and e ch of the displays graphical use interface.. The GUI 115 can include any graphical user interface, :i..?: ; as a genic c web browser or touch screen. that ros inform tion in the system 100 and presents the results to the user. The financial wstitutims 106 can example, the web br ?w! se t i Mick. so.1 accept Oath from the client 104 t3s~,,in& for s Internet Explore- or hdoz..1la l'ik'e fax) and return the appropriate r Sponses (t- .,g_ .1 .ML
AM) the browser using the network 10$. in some f3Frpi f .entatu `El y the GUI
1110 Of th ,nsaction card 11 2c may be presented through the ÃJU1. :15a of the client . In thes<e k?'.nplementaÃions, the GUI 115'a may retrieve use- crode.F.iath f:' nn- the 104a GL l 11 le and põ pii.late financial forms presented in the GUI 115.x. i`( example, the (11/1 115a may present a: forum to the user for eaitering credit card to purchase fpc d through the Internet, and the GUI 1 t 5a may popule. to #.13.::
f m,.n usinl the : 1 1 111c in response to at least a request from the user, Financial institutions i06 a-c can include any enterprise that ninay i thorii.ze transactions received di rough the network 108, 1'o. i xa'mple, the financial institution 1OOn. may lxi a credit ow provider that determines whether to authorize a transaction based, at least in parr, s. n ftrlbn nation received through the network .1 +t 6. The financial institution 106 may be a credit card provider, a bank an association? 4c VISA), a rwml .,.w .tint Q&, narget), a prepaid gift card, provider, an internee ban, mmdlor other,, iri g.neialy the financial institution 1.i6 may execute, or more of Ã:
e 0 fbll, ng: iecoiv'c, a request to authorize a transaction: ?dents.)' an ccount n "i.>be and ot1' er tr anisaction iiil: rmat.ion Q g,, P.IN): identify funds and/or a credit lie?.mil associated with the identified account: determine "lief ..er the transaction reques exceeds the itt count, bands anii o credit limit and/or violates any other rules associated -v-,"01 I
fie - f; -t#."iiAsna3 ui e mlication 4w`heth =i the. transaction bas bC'e0 accepted or decliFi:'d <md/
other ?d'<?C: ,;~es. In regards to banking, the financial institution ,,0$ #
Iay identify an iurnbei" (c-g., bank account, debit--ca.rd number) and associated vei#eF..atÃon PIN, zip .tole) and dele.t"lnin( f uids aviiil...b:e to the account holder.
51 Based, at ,.east in pan, an the identified funds, the financia in titution 106 may either accept ~,ect: the i"eiicested transaction or request dditional info3"tiltition. AA tin C t41~ 3.co the financial inssinufon 106 nmy use a public k y a,gont] õ such as t S3A
or elliptic an&oi' private key <9luo6th ms such as `J. D -,S to encrypt and dwa.

1.08 facilitates Wireless or wired c'oiiii#luiiit ruion between the find ciail institutions and any other local or rate computer, such as clients 1,04 and the POS
devic 114, Network 108 may be all or a portion of an enterprise or secured network.
Whili. iDustnated as single network, network 108 may be <i continuous network logically divided 'unto various ;iub-nets or virtual 11CO o C.Ks without departing from the i16 scope this iliac losusre, o long as at least a Portion of ne:twoik 108 may facilitate of transaction information between the find x.,Ai3i 1Fi.tititi.#ti>;ilc 106, the eiiem:S 104, and the of :]ine store l',)2, uit some iiiil`lornentations, network 108 e nc,ompasm", any interlial or external network, neoworks, sub-net .work, or conib#i?atFo#:i thereof operable to facilitate coil"i`iliunis atio:ns between various co npi.itii f$ =om st?#i.ent ii system l ?r . Net-v or; 1.08 may communicate, fin ex'anl le. Internet Protocol (IP ) packi'`ts., ...i'Aie. Relay l;aiiiei Asynchronous Transfer Mode (AT M) ul.s, v-oiCC.
video. dat i, and other suitable inlbrniation bet.t"een. network idd:esses.
Network 108 Tna one or more local area networks (FANs). radio a ce,>s networks f AN5;
nletaopolitan area networks (M Ns), wide area network, (WANs), all on 3.
portion o 25 the global corripute'i net irk known as the Internet, and"'. or any other connn nioation system or systems at one o.i Bore locations.

t" l1: i,2F f 2 is a blot k diagram .tllustiatina an example ;`'.00 t t, irluii#~ 3,,ii14 .3<it3si3titliis iiil'C?liiiiili(?ii using C eAe.t:i#' radio ;~..i CO III e For tier exaim l , the yste 200 may wnrelessly Cf3# lil"iliiiiC¾ft.:= a transaction ~`ceipt to a tF'i3F.1action cud 112 using a mobile host device 1.10 and cellular radio techno ?t,' S In some a. iementat ons, cellular radio technology may include (Il.ol` tl. System fol-Nl.obm . Co.irnnunication (GS, .), Code Division Multiple Access (CD.M i), i r3.r4'et' a :d/or on- other cellular, t :i it < Fi>t ::
4 r (i.:~1~1.., t' S), 'sii". t e ~'~3ti,.il.
i?3i?
The fi,la::iic iilStiÃi.it:i?11.s 106:rray assign one or 1;3i?::':
Ti=t.'biie host device,,-, 10 to ti'itsai t:i..,.. card 112 in response to one or a lore events. In d w w ^',' may at gis: i he one or .inore..a.iobile devices 110 with the find :iai institution ?4')6 in ?al\ t?ii `~ : fo exFa%l"Fj:de., requesting the associated à 'an actimi card 112.. In some } e=?ia'`lp e;s, the ii7in action card 112 TI3<iy T<:witÃ:t:l' the mobile nest deZ%iev HO with the WWII l.t uttlÃlon 106 1:n response to at least an ilutial insertion into the do vice .110.

. `., t}l.. association process, the. s sÃtem 100 may use the cellular c tp d rill ties of We host des'i+.?es 13.0 to communicate information between' the l'ini:ticiii. institutions .t'0 canu.i 'd '..e transaction card 112. In using the cellular radio techflolo"gy of the. host SV +.t C the ',htem i00 may communicate with the transaction can! 112 when Me card i 2 i not p\?xini ite a retail device, such as the P05 device' 114 In illust1`iÃ:ed nlplemeiltatiol, the. cell lar core nov, ork 202 tl aically includes various, switching elements, gateways and see Vice Control f:ilet>ois for pro i ing cellular services. The cellular core network 202 often provides these 'ter i:. s '.. a number of cellular access network ; (e.g., RAN) and also lli:Ã i'T.aces the cellular s: .te".i>. i ida other communication systems such as the network I
05 via a MSC
206. W accord anco with the cellular standards, the cellular cote network 2.02 may nclu ` a circuit switched (or voice swuc. i.i1'i1 3 portion for piocessi1ng voice calls ".aid a packet swig:., à (or data switching) portion for iuà portl11 data such ass 61.

I ? messages in web browsing, The circuit switched tlolf,v : incl tide exampl \ .tie <tLi > n t ?
MSC ..~. that a s Ãt'i`1 3 calls lbet%,een radio `0 \; ,S .tt?lif`~ or connects TiL` ti:a (RAN) 2fe and the network 1018 or another network, between cellular core networks or ri otlle:t. .. t case the core network 202 is a ~OS,i''l core network, the eo e nen ork 202 can incl ud<. packet swilche l portion, also .km wn as Genien d: i~edt,tt~t Radio scr-victe WHO). ruc>i3.lkng a Saving i P'RS Support Node .S GSN) (iloà illusÃ1"ii\E ?, similar to SC 206, i serving and Eiacking 4+)1:tillltiiliLa tit_>il devices l0 . and, a Gateway Gl'RS
Support Node (00S-N') (not illustrated) for establishing connections between y3..+t:t'et:-witva..ed networks and communication devices ll,0. The SOSN< iia?, also contain subscriber data usef ul3 for establishing and dancing over call e..mneci.io1s. z tie ccllulil' `Ss) : }I Z. t i. 3 i\ 202 inati'' also include a l.iorne location r e4gis+e'=' (I IC.: ) fo , maintaining "p' a t '' subscriber data and a visitor location register (V R) (and. ,:; an SZ ESN

a it i:Iit ' ra ily tlla ntainiilg subscriber data i'drieved. horn the i:I LR
and up t i date 'nll .i~:ai>::.. .,,:.,n the aE 4 110 iillva ~'>: a l~?~:ta cif à it Si:=
devices .vbl`v~:s .E1t. i.iotil`?, a wireless method. In addition, the cellular core network 202 may include : iti.A,r=tai:..:,i si;, Auttio izatkm. and Accounting (AAA) that p`rfor#`3:
the mle of and accounting for devic,,s 110 operable to ;~y 3(~
.:~+i"~ .~...:i~.a\ 202, While the description of the core network 202 is d5..,i.,,:i3C:t., with 6 rospecz to 03*'S a%'>. czvvo jk>, t:he core network 202 may include other cellular radio ti`{ Titi< i>gies st.c'n as Ã:1M J'S. CDiN- A, and others without departing, ::Fond .:i<'.:~~=:p e of this aii>>closure, , li 204 provides a radio interface bet ee:.n mobile devices and the cellular CoC network 202 t hic.h may provide real-time voice, data., and muii.imedia services , a ath to mobile device, through a macroceH 208, In the RAN

D0,41 ~w.zyn u:3ic i.tes air frames t 3,`_F radio frequency (RF) links. In pi rticuii3:i'.; the RAN
~i+ id 204 ;:':. betwee air frame;i " i to physical link '14{:d messages for tfiititYi3,s._ ?r 2~:i 3 the cellular core i?tt:~i>F t.~. T'.}3e RAN 204 may implement, for exanmpkc;
one o . e : }1low'ing Wireless interface, standards dwing Ad a.nced is M' bile ..hone See ice (AMPS), OSM>'.l standards, Code Division Multiple Access \( 'DM i l'ii-ie Division Multiple Access ('T'D\'I.<a.I, IS--54 (YDMA).Gencral Packet Radio ". t_e (MRS I nhimcd Data Rates for Global Evolution, \1 . 13 1, e?
i:froruietaiv :'.U:o interlace"'. Users may subscribe to the m'lAc 204, 1<:;i' e\aaiple, to rec ,1 cel.lula't:lephon service, Gob al Position g System (CUPS ;'`=it S , .:1 G radio service, etc, The RAN 204 may include Base Stadmu (BS) 2ÃF connected to ; asz, S. Ftion Cont.; `.. rs (BSC) 21 _}. BS 210 receives and transmits air names within a F:
eog -- phFic region of AN 204 (i,e. transmitted by a cellular device 102e) and coni1'iminic<3.es with i~qhor mobile devices 110 connected to Ow a, core network 2(,'11 Each B ,C 1 z is ass??c.ta`te with oneoF'ti'ore BS associated 13S 210. For e amok BSC . 212 may provide functions Such as handova, cell ;on igutation d t: , c antral of R' ? Z, k"Ms or any oà her suitable :":Frictions for managing radio Teso. %+ e and ttti'?' =ti z.Ãti .} an 1'e{~in .b5 1M. Vs( 206 handles access to B SC '.3.
.ifid the network 108. MSC 206 n -my be. connected, to BSC 212 hi s ii;l3. a standard interface such as While the elements of RAN 204 are describe with respect to (ISM net arks, the RAN 204 may,, include other ccllEilar technologies such as M' 1 and/or tees, in the case. of t_?N TSõ the KAN .2 ?'t may include Node. B
t and Ã'a>>. ..< #.:t< t t?::^$ smart card 214 is a f)0CkeÃ'-SiZ.Cii card with ein1)t'c_Fd%d iiat<

circuits tot pnxess informatit#ii. For e`xii ny,,ke, the sF1l;: 1.. card 214 may wiC%v 51G' receive t i<t 'act:i 11 imkmni Ãion. process tire: FTiformitimi usir :
i:i3alft.dded applications is d 1irekssly transmit a response. The contactess sim card 214 ma: 3-i'iietessly cof.)1(?t,,.;.{.am with card readers through RFff induction technology at data rates of 106 to 8448 .kbiiis. The card 214 may wirclessly communicate with =?roxin-late readers f 4 4 ..Y..
Ã?~ tl:een > cm ~.i-:.g., IS0..i.EC 114431 to .50cm (_E ISO 1 3693,1. ,.e.<
t.;i#it.iti.Ã:Fa~`=F:^
mart card 214 operates independent of an inte mzd power supply and captures energy frf.-,ru of>w.derat: radio-fregiie ncy interrogation signals to power die.
embedded iva to i:: The smart card 214 nmy be a minor card or microprocessor card. In emn rai, memory ac ards include only non'-volatile memory storag ?ii'fÃ:.snent i and a--eiy include some specific secli#l.Ã1 loMgi:. Microprocessor cards include volatile memory i{Fiat microprocessor components. In some iF3'1plementaà .oni,, the sin at card have {i.ii ensii :'s of iio"i'mfy credit card si,,t (e.g., 85.60 X 53,98 x .'; 6) :tam, 5 x 15 s:

s;? 76 FiIFFI . in. sonii ii.ilf?iCiliÃntatioIli. the smart cud 14 n-m be a fb o other sccurity token. The smart. card 214 Ilia. include -a security system tia it i t aiiit?<=F' i~..>i.::Ãc #:FF
ropertie tag, at secure cryp oprocessor, secure f e system. afl1F;1 neat{
<a>?f{ fcalures aii'nd of be con igtirexd to provide security ser it S E,C' c ?nfidentix LFt:=' of :store d ay - In asp.:t5 t)l. operation the financial institution 1-0 may use the mobile host ,-k vice 110 to Communicate information to the transaction c aid, a 12. f o,, e ,,--t, p.ie, the i stit..Ãion 106 :tri ay S ireiess1v' communicate with the i lobile ho;,, device 1 1 " o l s` 1 , _,' core iac~w'# 202, In some Flilf).eri3eiitaatloIas, the financial inst#tl.tton . f) may à -ansmit inform<tion to the mobile host device 110 in response to 25 'A least ,a:a e ei?.t. The infoni'S a ion may include, Oar example, trausactim information fug, ai.'tsac:ion receipt., transaction history), scripts, applications, p$ges d'oa other ., ;`v n:t ltion associated with the financial institutions 1 is 6. ?he e eftt i:i3Ft include ~.> .at).ittii_g a Ãransactiofi, deters ini#ig a transaction ,.tai`d 112 outside the of op raft g r of e o.f a POS tern-dr.a = receiving a request from o-, i#se;;
W the mobile host :3 (v+.rviv, and. o; other +. 1 "or example, the f nancial institution 1.f16?
may id n i1 / a.

host device 110 -associated with a card 112 that executed a transaction and "ran-'nut trans- .:i . `. i lbrinaation to the mobile host device 1 10 using tl-cellular core lie, 202. ?: i fish g the ce1.1ulai' core network 202, the financial inslirutio.1s 105 may transm t :ill >, Eal itii , to the transaction Card 112 without. requiring a: POh t..`nninal being nri x.1i nice to Ãh card 13 2. ## aii~t~3 1.:T33 :).i- all=a tiT ely, tile .i.nancia im"t-itatio 11 106 :i ty r `hest infor-niaÃioli 1-1.01ti fl- mobile host device 110, the transaction cad 112 a3nd. s, he using th e i ilular" core network 202. For i mn:ple., i11e'. fin:
n cia l iris ltmioii 106 may transmit a request for transaction history to the ca-td 1 . 2 t wougil a?il.<? core 202 and One mobile ostdevice 110.

;. s"On e aspects of operation, a merchant or other entity :trialy operate the mobile h "S! : evwe I We as a limo ?ile PPOS terminal con# , uml to wire-l .
ssl execute irmsacdon. with the smart curd 214. For example, to vendor may be mobile E
~;.. a taxi and a my irwMde a mobile host device 11.Oc with a nansactio i card 1.12t'.
In this rc mpie, the transaction card 112c may wit less!S= receive account nforalation froa he smart card 214 and the. POS 114 may transmit all atithoriz+atiol eques to the financial institution 106 using the mobile host device 1 .1i1 and the cellular core network 202. in :;esp?onse to at least the request, the financial institution. 106 ti my i.;eireraÃe an rest: oiise to the ,, ansactioti card 112e Using the mobile host device H.0 and the ~=~;lii3.ia3:i' neftvork 202.

in surne impleumnÃ2tti ns, the system 10,K) may execute on -no `. of the modes with respect to FIGURE 1. For ex, mplee, Eta, transa~.tion card ll*
may be using the Cellular radio Ã.,chnolo?;;L' of the mobile host 21) i ' . The user" nia3.5' want to re-personalize the transaction Lard 112 '.
a c ?ainge=

host to have multiple host devices, aid/or other rea:sort:1. M, e gards to the, St?ff`.sa rt evifie: ?Y3 i33<9~~'em iif, the user may transmit to t. e financial institution 106 a e uC s.. to the ti.E. saction :acrd 1 12 using the = cellular # adze technology of the host dowee 110, FIGURE 3 illustrates is a block diagram i1.1usei-ating all example transaction Card 11,2 of 1.I 3URE 1 in accordance with some ih:lip, l menteition of the present disc',esu . in gene'a?,1, the transaction card .112 includes modules fl-la, <ecute . a,.a...a,.ci? `ran acti ?i3S independent, of the mobile device 110.
11w illustrated mar transaction card 11, . is for example purposes only, and Ã. e transaction curd 3J include soÃi'i e, all, or different modules Without depa' ina from the scope of Ãi i, dise1o =?i?c.

a,. ;ci>m EY3_i131e32 entations, the ÃrunsacÃi n card 112 can include an interface 306, a , Gail:-ÃS.i.
layer `-r>'., an API AR i 304, a 'Mob i server A.e 1..i.i 3e't3 .~1" Lc.308 Z?aii merit -21..

;:apple ad `r :71O ;ahie added application-s'312, user credentials i`~t, 3'e<a. of 1t OS '116.
c11i1?Set 318. antenna Control ti.linCtions 32.<;#, antenna 3)22:-,, bank used i3 emory 324, alas-. free memory 3.3226. 111 some impleme1"itations, a. host ?F3 rofei' õ `v' _+ he A1 Ire 4 .?f < , the Web serwr 06, i 1C, Foal -E)E31i:'.
rncl,adc -be inter-acc r 02, thrino ' t?i`i Y)8, the contactless chipset 311 8= and the antenria. control thnctions 320, 111 Fi>me 3111;11 i?ii i3t<itiiel:is, a seeunty module includes the payment apphcatiom-, 31 t1 and 314, Th bank used memory 324 arid irei. memory 3215 nmy be col a i.e._ iii Flash in some 537plem47:itations. the conta.etless e ipset 3 1 8 may be intoõ nted wahita the security module or operated as a st:ind<alone. The antenna 322 aY ay be elevt:i.orl3'. circiiiti'y.

i .e. physical ..ti.. ?..fw:it ice layer ?$. ineMs interfaces to both the host devil and the external world, '.N., wireless/con1`u`Ctless connE ction. In a3eyn ent 'thee wireless connection can be based on any si1Ftable wireless sand such as nt<actless (e.g.. . ISP 14443 A/B) proximity (F ;., ISO 15 6143), Nl-t;

t- e ;.SO.` 1809 j ,311.E or others. In some implementations. the :~'>i"Gl ss connection can use another Ao t range ` b-CICSs protocol such its Bhietoot13 notlii.F' l:`i op,.etaly interfaces u ed by retail payment ternnnals (Felic<a. in Japan, MiFare in :
ia, .tc.
and/f?: In regards to the physical int i eit e, the int:e lace a C': 39.2 may phy.i.call. interface the mobile device 110 using an SD Protocol such as 20 iii S: or SE) (him-size), In sonic impleniontations, the ph sic<al interface may F1341,3 3 . :1vert ;i i? 1iE13t i to convert between two different p otocols based, at least in part, on the mobile device I1_0, In sonli: implementations, the mobile dS
i+..:= t 10 may .oar; > unicate asing protocols such as USB, MMC, Fl~l3 ?n i o prietialy interface, otxiC'.F
or 215 API MI layer 304 can include any so tware, 13. ai"dwat e, and/or firmware iii at SSl3ii.a:.~= s ,.a? :ill. between the mobile device 11l and the transaction c:ar 11:.. and "
toe 9- t.'l 1: 1 1: Prior to executing transactions, the came 112 in;ay i3:ito ca i all4' Flnstall drivers in the mobile device 110 in r ,ponfse to at least insertion' For exai plee. transaction card 112 may automatically install a N13cros!) device Awr in We device 110 to enable Out transaction card , 12 to interface the mnobil de 'ice 111 In some 1tTil?le hilt itions, t hit, transa tion card 112 may install at,, enhanced ` i1 '~ M'.'=nwuF , with Radio Q,,I .I:RI A`s . In ti us (!river ;~tati13. i# a ~ lca`: s is lc"nenlatio13 be inti:af ce can drive a Ass of pltia-Fns that contain ass iTif i:E1orv a ZYC a. a >:. $#i? if: ti:i'1iac . The Li. v R API 11-lay e eC'ut one o Fm:Ã
re. er thh . ?Ã:i!owi:#3F?..

t.O i'{ial he .1MR controller y i l~L<3T Ã` C= f' in, '"w phi _in);
r..c .g MM o rotocut si s1: Ca XD USB, :i3 1~ czC ?. send :'ii yp ed data .o the 2 1.1 controler; receive r~'ci'1ii.i7\~ ~ 2f F1:Ff F'kl of Success or fliur; received.

i status ~':t r> indicating descriptiion of erro ; turn f'adio ilft?'s1s`;
send is slw"icti on to the <:. g., i%aard 112 to tril the antenna on with spCektylflg tale mode of opera don iel:ndi .`?, it o dc. 1isteni#1t m',&); traflsklkmt data such as Send instruction to to t au,smit pia the iadf, .,t en for d ma such as send to controller to lisle ku C1;:al mad data such as send instruction to cà nhalle to send data, received by the ?is"wni s 'Wio; and/o., others. In son with 1CE'ip. In some ;1,s :323t'.31[Fa I~~il API encapsulated ISO 7816; comma ds may be processed b th s`curity iii<.3l L. à in addition to other commands.

In so me hrlpit fl.C m'atiÃ?nS, the l111 can operate in accordanc it `te two processes:: (J") the transaction card 112 as the master and the :#l1 "sbile, device 110 as the 15 Yaw; . and (2_ the end U! as the ilmste. in the first proca > . ste L
am"'Zlztion can! 112 may ?ass one or i-rwre commands to the mobile device 110 in kesponse. to, .
61' C-xarr# le, i.al; i1 on à i, the transaction cued 112 into a sot in t e mobile du ice f:.0, ik :.?asa f;l?;F
bet e:`:n tIte tr33 asactio?, card .112 and the P08 114, and/or other e s cut b. In some the transaction card 112 can requnt t1 e mobile do ice 110 to Get # i:. . Di a - 1a ~,Fc:...e:i., ,si1^i.?i;
._Ã ':'.=?;i.s~ia:i: ;t>.. or i:.c:~r., t., of 1:F3:lf.3,h ikfi llti?LÃiÃ?flh:
Gt .+.A 1kF~>Ãa:l: GO <

Data; SÃ .`d 'Data; Recei-ve Data, ;:Fi1f. /o others, The Get. User input coron-Insn 3 may present a request. rough the GUI III the data tow the user. In some ail?i31 ,:i11s:i tations~. the Gel 1-fse-ir Input may Present a request o multiple data input:.
12ià .ks#a z#lf?:Fts may be any suitable 1orai,,#l such a , 'fl'.?1?li f# ?.
alpha: Ã#meri other -'ti-iii' s <_ 1? C1ls'ti`3:vt CS. 1 lFe <J Signatu c command may request tEIC : it?1a tC
device 1to return identification data such as, for e''=xanT , a 1;11Ã?.ne a device ID lik an ., 1r: code or MAC address a netwodc code, a subscription 11) like the SIIM t .au>li.iiiloL.i ..a connection 'status, location in.Idnnatio?., Wk `a bea ns., E f'S data, arid; of offic--r device: spccif"Q fi-A6F,'iajj'Fation. The Display Data co:
unwed may ,?- e enta + dialog, to si t' E.ise tfliÃ;a g 1l the `ft l 111. .1i1 L;rne implt.nr ea:#til":' t. e dialog can disappear after i., period of time, a 11ser selection, acrd/or 1t eA e:-'Cat' The. Send Data -.i?:.itTil,.and may qtiest the mobile de ice 110 to transmit ?aC:,iÃ;+ data 115W4 hs own Receive Data.
anQ external \5'#"sdd (. S ITT`, ellu are 'A K;.
v<l,t`F ti i to \ The coi t iiiint` oi<3y request the mobile device 1(:) to open a C=<?nlnectlotl i,;=hhFni à 1 with c;<i,,l;l and fdei`,ti : % data received through tb. onmiecti'`.:fd. it :
d:. lFn i"SsA?EC?T3<:::?c.ttons..~3C` c;F?3 irtand can request the mobile E~E Z fE:
110 to any data long, S AS F satisfying certain criteria to be forwarded to the tfil mc.:don card 112.

.. a.. regards M die - . as 323:c: C".f'. the `~ may t :S.ecut4 one or f~,<~3;C'. the ...r k iZC';I"i\F.
col-nm,an,ds: Security module Ci?nit:nand/Response, , iivate a cd3~:.d4are:
Flash N-40-n-io.ry Re d/ , te. Send Data with or without encryption; Receive Data m I.th "'s, without decd;' > io.u.URl, Get Data URL Post Data; and/or others. The security Irtocuk three Ã:'.E' commands may re-late to securii-, functions provided by d w, card and are i towa"-ds the sec ity di ochdc within the transaction card 1 12 ~f f s::3 &.o-d 'SO 7816 =?2i333?:dF proprietary tom.man ds). In some implcllwntct.ions, d w c m.c.F"iand.' IF-lav, :in tie encryptioi,, a ittnendti:c dtion. pr \ isionin of d Ata, Creation of sccwilY

update o security domain, update of user credentials e lee verification of My, ; nti`.'i r ott?Cer>, some the coin-minds may include non : wean ty r lattei t~ snnurt: cf."'ul .dcln s such as, I'm- e?iar.nple, cad. transaction histC?i,`~1 coll'ii'id.i mk, The read transaction histor command may per can a :read of the secure memory 324 of card 112. In some i pieinlentattOlls, certain flap or areas of the secure memo.:i'\- 35i may be written to after security- Z edification. The .34 id\
<..i., z <=c3<:at<3.ft' e>C3lllil? they may, activate or f.1x iit tI ate certain functions of t lw transaction card t 1 'n ,e Fl is3 emo y lead: : .rite command may execute, a read/w ite 11eration on at spa: --Oz.e d ar ea of the non-sec ire memory 26, The Send Data with or .
with out tin d'S >t:.oi worn. anal may instruct the transaction card 112 to trailsmi Cotta using ltj ,nlnection? with. or example, the POS 114, to aid? do , the data iil Fay be encrypted by The transaction card I z 2 prior no transmission using, o: keys'.
1;i and encryption capability Stored wit lin tale security il3odule. The Receive .Data v'dth or.

`=' ithout :ect`,ptio:il command may i n s t r u c t : the transaction card 1 1 to switch to mode to recenve data from it--, wireless connection wtu s the F'ilii..icl ie=+i i' it' , , P05 -131 so le i:v,.ipielne tatlons. data deci 'p) ion can be f. +.
t..c , FC'..'f by I.`, ex, keys and de iyption t. e security d:3..t td1C using, i+.'7 a 300 ..ecu y m,nwdule, cc. oil-bo.ard decIn pt:fon. The URL Get Data:/ Rl, Po it.
.
c Furman may instruct the Web cruet 306 to return pages as ?o offlino g t or posi n;t. -: ;VO) server 306, is part of he OS of the tF":F:f3s<ietii3:i and I ?, may s igai or associate URL style add sin`? to certain files stored the ,-ziem.o.ry 326 le flash ) of we transaction card 112, in soil e implemcntatio s, the Web se -ve:e 306 loc'.c3i :. ..~ F: ?i3 }FS: ' L, sand returns he file to a b~C?V ser I1sin:
ndard i'6 i'T , 1' D itõ ec: transfer, in some 1:imp1cmentat3ons. the definition of the it s Can he toIF;:..c'd using standard TTNIL, X1-IT N4L, WMI: and/or XML style language,,,.
file iity it?v:.Fide links t`iat point to additional e?ttline storage locations iin the ln;~F1Z`r=t, =2$$ aFnd/o Internet sites that '.lie` mobile device: 1 0 inac access. 1 some ~ 306 Z V support sv rt+t:t~ ~ t"?lii h'>.: 3 the 1?tiL~? aL''F`v s~ t z<~ f%t:z ~.? i: as S'S 'L.
The 'Nib er _.06; I may transfer all application. in memory 32$ to the irzobile device.
111 r .. . as3ai atm a and exec't. Lon. The Web server 306 a ay request the , apa 1.,ti s o the brows.., on the device 110 using, Or example, the browser user ages profile, in ;"e:1 a to custom.o the of im. Web page according to the supported capabilities of NO
device; and the browser, such :as or example, F:taportec markup t t'F;>i<1`
L scree i ;> ze, :' >1ei :c?> colors and s.IL'1'.i;

As pmt of to Real time o3S, the real--time `framework 308 may exe'.e'?.ie on or more functions based, at R east in pan, on one or triore period o1: time I 'or example, the .t:;.i dine framework 30 i)iaa enable 3:F internal clock mailable on the CPI,..'-- to >3Si.vid s......est,.'amps in response to at leas requested rev:ents. The ieaa-time framework 20 308 max allow certain tasks to be pro-scheduled such that th t ae.ks are e..Xec. uted in res onsu to at least certain time and/or event based nit eeis. in 3me FF't?lc'm F <iti t3.:i, the real-...at,.iL i# an.-wwoik 308 may allow tile CPU to insert del ~.ys in ce_r'taiil r transa..tio ns. In Tome miplei:Fie`etatio.i3, a 1?a of NW-`All t~ Ft+_l iel:i called WTA1 tbi;.Lta: 1>l?t~?L;i Applic:a.tjon :.intert3ce; can be implemented to ;loin offliue browser pages on the :aril 112 to make use of functions of erect by the mobile device 110 t send receive wireless data, send receive SJMS, make a Z' t' t cal play ri a ngronr, to 1'>_ e Payment applications 310 can include any soft/ re. hard v.,are , and/or F`iaF:4 re i?2. it exchanges transac.tioF information with the r tail terminal `sing, is soric 30 distances a pre defined sequence and/or data .format. F 'o:' nitmpl , the payment ..310 may generate a e.spc??Je to ., transaction by sv-3LLt.ti:g, ex F cling or otherwise including user credentials in tile response, a formal:
compaitt ie: ,w-ith t e retail .er.minai. s payment processing applic etion.
In some 1'n'23`>1tii114?3Li:i3\JT>,\ the P'ay1I1C11t applicaii }ns 3 0 I nay execute olle or ?Amore <. t to itt; irtwstn?t: properties of the t?ansaet.ioli earl :I2 in roNp se to at least all ide2itifcat3o:13 ret.pie st. received from the POS receive a regtii=st to exec-ute.
ti'ti3is.tt.t2,?3> >'.31i3 t s?` :~^i313?ail, the PO S 1 1, identify use:
credentials in t he bank meii3o:rs 324 in response to ,it least the requ t; generate a transaction r spouse lased, at least part, on the user credentials; wilsl. it the tratlsactio ivs <:ilis<:
t the P'-'Os ,<.i":.i:l ?)23.
pre, a contactiess ei'1it?st;t; receive clear data, for example a inc -X ax t? iz 1 .oi','.i the PUS 114 and provide a response c'o.l.alil.tle f`=?3e lit't E1 data by.
<i1E `~' 3 .33?;; tats: :leas data i.isin the cryptographic capabilities of the sec ir'e e lE'3?)w;
1 >
t:i"zil?5..tit ,..... v,,.:l:)''?'lsyE1 C3iltt using <g the :.C.l"tti?E1lE:;iJ v1' it 4E`:t 311 8; a ti~rr 3sact on counter every transaction request recited; trans i.it a value of the t t 61, Ã"espomw to a request frolli the PUS 1 e4; store details of .:.
transctt,tio request received from the PUS 114 into the transaction history a; ea of t? e band used memory 324; tzansinit transaction history to t e CPU of the e1131:E.nt calf.
...2 i33 resplso to such a request; receive ISO 7816 requests from the ClIt", of the intelligent call 111execute corresponding transactions using the secure element OS.'.
provide responses bk to the CPU an&br other processes. In genera ing the. transaction re (?E321se, the pa3,nient application 310 may generate the response in a tc`
t .itt: specified by the payment network (VIS'T.. MasterCard, Amex. Disco cr) associated with i financial . .,station 100 or a proprietary 'lbr iat owned and d 'incd by the financial .ib and proc ssil.?li by the PUS 114. The transaction requem amy include one armour o )1` the ,=.bU wt13g: user credentials (e g ; account number).
<xpiay' data, card 'enhe l,t numbers, a transaction count;; author other card 33 user ill forlnza`:kli. In E}1w 31 3. =1111331 itl??i'is., the pa 4' lennt application 310 a lay Comprises a b owt'`se.r aph3lica' on to enable t3'ransai Lions. The browser application 310 may be a browser that may be installed iif the device 1 10 is either missing a brt si ser or has a biowser that is income 3:tlie with the Web server 306 on the card 112, After . installation of st'c ??'o sei 310, future coil rnude tt.!Ons between the mobile device HO and the web-server' 06 make use. the ne,3- y installed br'oA ser.

he r"s: a1 tin-to 05 316 l? a v' execute or other the in elude one .:?t?:e of the 3i? fE>zs>:#.:` real-time f alnowork 308; a host process that implements the 1 ll t St ::'.13.
intcrla.ice between the transaction -card \`1'11 and the mobile device 110; an hileribco that implements the physical ?23terfii :e between the ti<1i34tt tK3n ear UL."
and the C: tar ty% ..`>.?.lidie; ;? i3i~ildL?#'S`dnafl2i't [11<i3.Ã ?.iY? f S that _zaipi' 13#~':ni. tt33t'. IS 81<t>
ohysieel ii1te'H, ee et cen the transaction-Gard M and the memory 3224 wi 326.;
<an <a ~t~a?e'.#a fan Etil t=a )rocLss that implements the AN and 'apaibilitx.-'; tile Web ,e?31311 e:= Stitro ti:[nOtions 320; ?o er 1.11anagei iei3.t; s ad'."'o others, In so e..
serve $ t 131 -al 1tations,, 3`1e real-ti nit- OS 316 may T.11anage the physical 3i3.er ee=
fa et, $ "34=

Olt.) and the. secure memory 324 Chat 1.d eludes memory to allowce-.Irta il3e'.i1le?ii areas to be restricted access and of data E:uffers in some 3;? ..L'1??t35.tat1s:5F :i, t ho secarit`+ module can include a see t Y z-3'3 d.a ` OS
p'ovi ,ed by tlõ securit:4' module Vendor and 1.1 ay be con p1#aflt with V is;
and CS Nla t.ei ,aw s;pecifications. The ti:`Q.tiiity' module O'S may st3'd.E<.ture t e data in t e se at, i t v' module to be coinplia:111t with P iypass and/or pay w v'e specifications or any other t ailabi ,onti: ci ess retail payment Industry speeit eatio11a. In adklition, t .`
security' module dole may store !lost devic signatures all(] all }w modes of the ,d1`et'.=1ina 322 in the secure element 324. in some imple il: 'utsi:ons, the t eal ti mme OS .1 >.<.s a3a ' s\' . . dY
> include . .u..c.oa..t'vliii?iter OS , configured to personalizing the secure element :Sr such as by, Or example, converting raw F AI data (account au.mber. exp r .late.
Card Verification Number (CV*=d), other application specific details) into se.C1.1re Ont1- lied lilt~fF1:ti:33. In addition, the 3I3it'.3'fiL?IFLd':s ier OS may o.esent the card 112 as a Micio,S s 1: tss storage to the host do ice.. The inicmcontrrdie OS may partition the memory into a user Section and a protected device application, set ,:t. sit.
E:t`a ti is d::2 ice a pplic=ation section may be used to stop: provider 1er Secific applications t.lat either opera from this segment of the lliemo#: or are ins filled on the host >: i'e?sd is Segment of the i3 emo3y.

The sect iq.- module chip may provide gimp ~. ista t hardware sec-arity 25 id ii#~t:: ;> t?ade it t;ti>#, <al.tthentication, management of user ciedent:ai`i using e,' ulti{? ;: seatrcity d oinains, on-board processing S apabilities for ;.e.
C}31<3.;1,xlt3fi, GfccesS
and, storate and or others, 1131 some in plenlentations. the security hip can include the 4on:tac:desschip et 3,S, ;~h e;:tilitiutit ss eilipset 318 may provide i ttte h. ards are Aft?to :;
30 ;#3131.;,, .t::i.ation and/or drivers for :RE communication. For e?iamp e, the Cog taf-ilcss chit :set 318 may utcitide` on hoard a " circuitry to interface With an external !i`o:zf :.?tat cct : i i. sing . Win- '.s/contac.tiess connection. 'The wireless t >nne t: 4:'sd i'tef4 ::st., Z;i L=l; '? ?i i%dic.at to node Ãciin;#1;Ã.i I reader 1 base station). 3 t1e to -'Ji nt i c SFZ%E=
Ãd3à ;, or poor à s pei`.i' (anot 1e'r transaction card 112).

antearm control . einction 320 may controls the.. a aila `f .y of the RF
'.wk?enni?. `.i om-i. plt_e, the antenna control fum-tioii 320 may. the an to na 322 in s . to, For example, sucie;islidd i utenticattio.n, completion of it routine t `...bushed by the (,)S 3' (i, andior other event. The antertria 3722 may be a,4i (IV
ang wirokmgi antenna connected to a NEC inlay via a software ;twitch such as a of other elem ?t.

' GU.`.R .` 4 is a block diagram illustrating an example E'Ãe.ll gen card.
100 fF
accordance :r _ h 4's#1 e :i? iplein;F m :atdons of the present d sci s?:fie, For e?i:<i?'ple, the Ii F#1~,.ti.t,i :.aril o FIGURE 1 may be implemented in accordance ~: to the illustrated iidti lfiger card 400, In general, the intelligent card 400 inay Ã2E1L'=l#endentl access <f :ii`x4 S : nd o' i# df35Fd<'.If ?i'f5. TO intelligent card. 400 is for illustration purposes only and may # f?< hide Sonic:, all, o dil e# ent elements without departing from t c scope o.t the di. el :`:iu e.

the intelligent card 400 includes an, antenna 4)2, mv.acii phis I:Fiii 3`i 404, a ~<'curity module and con à fctle s cliff se 400 a i,' It 41314 inc 4i Ã'. 'I'l:iu antenna 402 Si'i#'t: I-<:vS..>% trans-nits 2Ã:iCl..:<.:.ei receives s:f i:,.1<?.lS such as NFC

Sf{ ?i,ais. In ""on?.. 3:Fd11 l .#ilUltFa fi;i1S, the switch phis tuning circuit 404 may dy-mannk.afiy 0 :idius, th . .:pedant e of the antenna 402 to tune the transmit sknd/or retie ~' froq: ency.
in ad~.dtit the switch plus tuning circuii 404 may selectively switch du,, antenna 402.
on arid off in response to at least a. command from the CPU 408. In So ne the antenna 402 can be a short range wireless antenna connected to an NEC i .l., via a soft are switch such as an NAND Gate or t le;' clement to allow 25 for cod = From `d e CPU 408 to turn the antenna 402 c ',n and oft. In some the card 400 may include an A4 'b'.,y inlay (not fllu .tutee ) that call be a.
passive i.ta plei ientation of NFC short range wireless technolog=y deriving power from the ;eaate to minal in order to tran$?'it data back or a Stronger inrp enlentÃ.tiodd using an <Nt' ,hipsct to power s rive reador mode and self-train #fdod'e. in addition, the.

o card 40? may .include an external needle: point reset (not Iusua3 ed that.
prompts the CPU." 40S. to depersonalize the memory or secure elemlient.

'T ho CPU 408 may t'ii"S?33it the switching G oil-iniand at response to an evw', Sf?L?.F as a user request, completion of i tcifSaction, and/or others. When switched on, the; tit ~.., : ' chip and contact.iess chipjf.'"t 4() S is coiinecte<? to the ai?Es o.i3 F 402 an e\e.,,:.tOS1 El ; or more of the feed o- ing: t6rril<'tt signals for wh-el -is in aii:L(3a i.r,inoe with .`. e for more .i mna:ts decrypt recE s e z'.: m sa je:S and -'.mc y >t tiE3Si5:ii:i.:ted mess Eiae, authenticate user credentials local y stored in the Fi:, nory 410;
W or A- r , is er. pFoc sses. 'z is .me no*, -410 may include a and : o s eecure l woion' In ..his the secure memory 410 may store one. or more user credentials that are not accessible by the aser, In addition, 410 may store offl,n. :' .bb page s. apphhcati xis, transaction histor. . and/or other:
data.. .tn son-w t3$3 ?i e t .t, rl.i~ the memory 410 may include Flash memory '?torn k6 E ?' 1i to 32 .iB.
In s OO.il the merle 410 may be partitioned into user 2enlio y and device app ation memory. The chi ?set 406 may include a s..ciiri.Fy module d-lat is, for example vigil MasterCard certified 1:w storing financial vehicle data and/or in ac ord.ance .>it'l uloba, ,tar lords, In addiÃ3 }F3 to a users financial ve`,icle. the secure element may storf, si<una:tures of allowed host devices aTnd <..1 antenna., modes.

't5 some irnpl 'mmitittions, the CPU 44018 .ma : switch t .t eifi fi#i..E 02 between acti t. and ....a _Fvate mode based, at least in part, on a per on ?::lc:tion t;tF3E'tE#T?:'`ter defined l by, $`i e ample, a user, distributor (e.g., financial ln>titi.i.Fon, service o;ot ide.t> and/or .shiers. For exafilple, the CPU MS. ma i:E f ..tee th, ante ni t 402 <Lhe,. tact in eilif. ent card 400 is physically connected to a ho Sit device and when i ;~ i:ands il:ti .- v itl1 die host device is successfully executed, In some iiE t? E?'F .FltEdt:ion , -,w., .~PI.. 40$ nia y automatically deactivate the antenna 402 when the 'metrical' card 40.z'+? removed t om the host device. In some in'iplelilenta--,ic, th, t. ie antenna 402 is always acti e, such (hal the intelligent: card 400 may he used as stF3.k t .t ?ElE. access device t : `t k n tc on i k yt hair), In i'egauds to, the hhc.F.sdshaiii .
process, that E+:,t}t 25 408 may amcc tt e one Ot more a uttienti ca2tion processes pair to activating the tnwHiigent card 400 and o. antenna 402 as illustrated in FIGURE For omai?pls, the CPU 408 may execute pny'sical aEithe:ntication, a device authen:tic 1tion, a'nd oi' a user i'4 ;< once to authentication For example, the CPU 40$ may activate the antenna 402 in, at least f.Y . ::tin connection to the physical interface with the host:
device e SI) 3 nter ace.) :t ,d successful installation of the device driver for omss memory access Si) d vice.. Over) on the host device. In some F t1t lem Et. i:t>:z., tS `i e a uthenti:'.atioi.F may include physical authentication in addition to a ;%naa re comparison of a evice signature stored in memory security module <St., ,~ that Y == ~tS:si<,i e1ur11<; firmt use (, ro iisioning)) to a nf.F1't==t .11e :si naturt: Calculated using. f r i xampk. a u;:i#qu #c>>arar etor o I)C'. hos -kvice. 11.F the event l1i~ hot device Signature exists m _..~~ nemE r . the CPU 408 may bind with the first tmip atlt ee host device the ea rd 40,'-', inserted E#1to. A E:onapaixble host device may be a device that can J succos-, , .~..:..=i<":~.
.~ffly accomplish physical ci.FEf1;11.Te,=.tt::E'1F1 :aEfi.GQSStE>i~t='. If <:E

>i).;.l,Fw..;.e s uresorit in the nie.f)lm-j. the CR) 408 compares the shore'.
signature With the ,...d aT 3. , SF,ggl atuie of the current host device, If the signature FIFaFt i. the C P ; 40$
m ay proceed to Comp.lete the bootstmp operation. If the signatures do not ma.tcb, host device is r *e'eted, bootstrap is aborted and the card. 400 S returned to the mode it was ` 10 ; .::ore as +i;FTFe inserted into the device.

Use ..2.t...: 3i#eE3tAa>.1 na< l include verification o.Ã'phy icca i?einecti.,.a wvith a #s-.
1.i8:a31< iarJ"N::F'it.,ri.t by the #fsz~.. a ?: r`lii) type, that is af.1#q:3C. to i:h:.` i..SC:F' iTld stored on the lost device, and'o1 other processes. Device and user' au:th¾
micaftto#.f may .>if, e physical conrie: tioE1 with device through comparison of a devici \Jgymiurc and"

.`=5 user iaFf1 ...#.tte?i3t#.a1ix through Verification of user PIN or t . F F
3te , r#i soF:FIt xaY1 ~i 3 CiStitie3 1 the user can select a PIN or certificate at. :f'?
isi2Fiii e time, If diis case., the 0. ,) 408 may instantiate a software plug-in an the host device.
For c. ,, iFzlplze, a soli ra lug; n. ay request the. user ffo:f his PIN in real tiF'mme, read a user certificate insa ffle<d on the device (e.g. . x S09), an l'or others. The operation of Ã
ae sorb are plug--20 in nay be t:.:,, ta:12:i red by the provider. Regardless, the returned user data may, be :. 33Y3'i):fred ` its user data stared in the nicinury. In case of' a :+iFS
4e:~S:tai #113Fe'):, ti:F~:
antenna 402 n be activa:Ãed.. In case of an unsuccessfi d math of a.a c;eertific tie E }eE
war 400 deactivated, In c ase of unsuccessful PIN ? itch. the user may be requested to repeat PIN, attempts until a successful match or the number' of eta ES
ii''. ?t : ~..eeds a :1:7 thr ~a '1 -ac, disk provider m y customize the attempt threshold.

ti regards to network F1EIÃf1f',i1t:f4 c Ei;21, the host device n my be a ceflpSorre such a card 41:, 00 i"ii<i 1E it 4o-Ã~?Ci1if::it#Q: 3 prior to Et` tivaEiYf). For a z aiie.a.. i :... `~ii^.,. ~ request 3F%t4='? ,~ ,Fl.f.f~fi.`, :i"nf" card be distributed by `ti Wireless. Network Operator `WNO) that requires network IFthenticati+ #?, In this e ii$iF" ple, 'c flag in FF'iei3tor F:t a be set to ON

20 Sweating that network authentication is required, If the flag is sot to (W.. a. unique # e ntit ' aboF t the allowed network is loc lily shored in .memory' such i:i 1 obr o N n:work Cod.. for C<R5~1 iF Neff) for fvDxl'i< networks, a S:ti. .tot- broadband a.<:?1','rI...,, Ft1 t :. : >,.>.i fiers.:aat his flay is 0 ?1 die (CPU 408 in response to at teas, insertion F:nay f request it special software plug-in to be dom7}ioadect to EIt host is vies,' a:i( 1a T32;> iii}ids-i31 ?i3iiej' query the host device to respond with ixGFZ5f3"?i, iiz,tiE}ti:

3i3iv cases, thetype o unique network identity employed nd the method to deduce i fmm the host device may be variable and dependent on the network p-ovider and eapabihtj of the host st device. If the le)ca1iy-sto''ed ID.3 Iii tches the request. D" the M."', 408 .3,.t3t`.}?L..: the antenna 402 1i'! <'Ã1ai>i, access or otherwise services zFY<. l.e..,:e?E_i.

FI .:U Rh > 3.l1}kst}'arcs an example transaction ,Y 'stem 5,00 for ire-i'es:,ly e:CFk13}3ie13i3: tin i.# }F1:;iia.to23 ,:-f ri31ation using one of a piaradit \ ?nteHr :}coS. For ex3E31nie. the s stex.n 500 iI?i?y, iinterface the transaction card ft .12 using a mre.d or I`v' w.irrless :intoriace.. In regards to wired interfaces, the system 500 incitades an adaptor 504 a lid =,;i~a a n t'i:kt~l'` ti 50~3, a. TFlt: adaptor can n include any a :'+_o; r-S~ F$,.e?, va a.Ã3t$ <-t>. 504 l finn-i a e= on.t ed to translated between a format compatible. , it: } the card 112. and. a format E :L?at bl e with the client I04c. For exampl4e, the adaptor 504 n:iit2= trim late a ~^z ? 3 ~ :i'C?ti:>~,e?.~ and a t.,iS~3 protocol. The ` reader, 506 can ..::ludo any ?caarw..:
15 so twa e., hard- are, and/or f rm.ware configured to directly Ãn e }c(e with the card.
i 12h. For example, the read}- 506 may be a micÃoSi} reade such that the client 104d i nterthccs with the card 112h -using a 23ricroSD protocol, i 1 regards fireless the system 500 may include a cellular interface 502 and :a >C?'t F'iÃ:Ã <:
wireless .nu.rfi.co 508, In regard,, to the cellular interface 502, the Onandat 20 ills titÃ:n om, 106 may irlessly communicate with, the transaction card = i 2 using the technology of die mobile device 110, For e` xnp e. the ctellu^ ar intcT a CC: -02 may be a CD NIA Ã3teÃf:c3c:., <3 .3SNI interfa.CC`. a ?.. /a S ane f }c.e, and/or 'tie ce ...i<3r .iterf ees. In regards to the SiÃC)22--ra g E= I.i' i ss enter ace 50$, t"w'.

inslit-ut?ons 106 may w'Ãi'el0ssly communicate with t.t..: t t3':>.t..tion card 112"
taiÃ12 .y t:i?` .: aÃ3.}ple, 1 ' 1i'2 t :C'ixi3.3logy. The `ri)t)k`t' Ã iii`.t '.' i eiess interface 5 08 }3'ta he tfac.'.. E those other !n fÃ+.: less n ter an 8i, 2,ace' a i3luet<: oth interface, ':}ÃItVl '.. terc i ) Ãkii`iewe.t. Ã?tl?>`.}~, the cited- 1. 4e may include a tiansceiv } sed for with the trans }'tiE-,n card .I i2t.

FIGURE 6 is a schematic Sag ram (500 of Personalization of a inteii , ens card ;;t} (mg, the wansaction card 112, the seivic'e, card 2101. In pa tic etar, d w ins 's igent card >:l j be `ek:so'na3ized prior if t#eiÃ11-.,,, issued to a -IFsci, i.e., pn-i ,suFi ve or aft=er being is is l` c3 ..t:tt i' i t , i1t> ,f is 3ic3i3C:= in regards to pre stiff:
ance. Ãntehi.gent cards 3ili}y` e-persona ized in mass batches at, for example, a itctory. In this exa)}?ple, each C fs, see-unity <ti?f?ii ati:.>i-, i a i ion i naay be loaded with use.

offli_t_ W.` _pages, and'or other data. Iii some implclne:ntattons, a inteff :=' iiFia #3y~?F1.
oxaz?i3ple, a bank branch, in this case,. a bf I. individually c ; for t Hard may be individually loaded with data associated wit a s e r alter, b exa rtple, f?ucia.si t' the disk. As for post iss'ai3ce, the intelligent card may be personalized i irelessly ~Ã i:3r e 'ai3:Fple, the transaction C={Ã d 112 may be personalized through a cellular c<. anection established usirte. the mobile device 110, 1i3. some an intelligent card may be personalized by syricbrottiziag with a 33iFi?. ter s >C:' as client 104 the transaction card 112 may rei eive irt.fm an. enterprise at .: ai.: asso. :?:ted ~ itli the financial institution 106 that pe so3'iai, t tÃon dat : prior to ' ccci .:3i ctiio..: 't` i#1LtL ,.f>:i2L, user i= o C:F ~CiC':t:i tdls, fmil'cayli"s::If A apl'cation and at least one i 3f=
c.
i:3?:?swishÃoaa tags, We We or user i 3terflwc. The personalÃzation data t.~'.seul in the :ii 3,'i:' be updated aactivation using; at feast one of the fool iing_ nictlli:ft.s wireless or over the air messages :ont ning special and S.'C%ure update instructions, to nternet or client application running, on a PC comweWd to the transaction card 1,12: via the host a card reader; internet application wi eksslS connecting to O to card 112 Lis, the host $3-ic>f}ili, device or user .'+i]tCDÃ"tc3<C
i:E7t;f.t.at.Fom of the card 1I'-2 itself', and/or other methods.

In soFni irlip ementa ions, provisioning of the intelligent card can be based, at 2 "(east. i:? nan., on the distribution entity (eg., financial iinstitut:ion, :tiirelass ~;?t:rator.
user; F exal iple., the intelligent card à ay be distributed by a 'find >
i%:if 3ustiruti.:::i3 such as a tank, In the bank, implementation, the intelligent card can .::
pi'e.-pro isi,?n d: with user acc t:u.ints. In this Case, the intelligent 0-aà .i rn'a be ae{:i:ated in 'i?~ f;.`:34c t oat least # i t3 tf. insertion into F. host device. The antenna mode max be set 13:?

25 physical utheniication only by d 'hint In some examples, thou user iny sell select a PIN u entication to prevent unauthorized use or through a PC >.it dle and ;?lug-in man a a3 tent software its the host device does not have a screen and keyboard. In the hee ss-o'puator implsn:mentation, the Ã[3 elligC'nt card may iequi:e device before'. act#1>it#C?I3. In 'son w examples. the u-'C r may t t`t sion financial - } a r .i1 it or debt) one f"c.:, f E. addit on., tile user mliy' add ~t , i.,cft?:} using g e .of several ?.i3Gti'i:ti .
:~: :fi.t a use .x...?: `ti 1L?i? in th user f' ro ided implement Lion, tb user may sweiuire the inu iii gen card from.: bC z. example, a r .tail store or other ehanne..fh f.
e OEM host In this ease, the user max activate the card in t> of > vices with ptov'ti_ie: se e1ed provisioning, In i'Caards to activating, for financial transactions, d he intelligent and may b 'ern 1 -,.a:: in Memory mode When user acquires the disk from, for example a bank., a ;s wiieics s o rater, a third-'part'v pro' iclL`.i', c111d/or oters, Activation of the ,card may inc. ude z e following two levos: 1) ph sically. ipecifying antenna which }nny under a specific `et of circumstances desired by the piuvider; and b) to c aliz', .it financial ig:ni S`Airg activation of the financial vehicle. carried err the some activation may be based_ at least in pall On & VA &51_'i M&

:k .r. t. =t -s i a ,.
a _,.i#~i: ?31 i-~? <:1.~.>_:.#i.31, iAilC: C.Y iL'18 of host lEC'iC.t, L. as ? i;+.'ai:E'?t:(:Ci in ,i).b +3 below.

<3A
i State DeAce Has No Screen Ã3et iee. Haas Scr en ~k.
ig aa3 Seif r ,nad S7l3'1 tai Inttd M' sde :Di d sta;i?i!#:io F and hilt: i3aa !Keyboard I<Lyboaar d : Y'' Habliity Choke E
"T'.- to of or Mot s:. is is f3ii C,.a l }'iii; number to upon {ei,3...{' =i s .rk.f' e s..,,red 1'Sitt!wmr's activate 4 is .cco nt. S.F~
i'i3C7t:, i?e iaitt.?=3Y

k.fi. :.,t ~f`:iie . ;i9C t. eii?t, ait'?3'ii11a3f;[3 ? $i3.e Devi e ~~.:'4' :C ant t3 a7sr subsL,.>.fe w ti.,:? 3 ? =V; :3 ?t t ~.3t...3;2f2 ST otk J:'l?Fl; with f?.
S#:3 it: takes the 'uuo ,U fTs to Phvsica','. accmmt User can also etf.. access i' .'3 ..rte O3, tlui b E iEltoll:e i~ 3.y anothe 3 i # i a ;s fcrmrnt PC to WNW ,3iS i:e3Y43?C'.: and ti1'.'.:ci3k account.
i atis.?3?3'::a.3 C; (tan 2 t F ?Fts 4Y. 55N or home phonti T 'he user cart isei i}itti rud , Seif Gt a PIN
(cha ce Amin' ,.., E , r'?:it, isL. to 'oe t S:F3tf%?F?32t:. If inie3'f3ei is nin"

iS. .able ? C F '; c. t <if?c.i3;f<f i. va~. v C! 2 t: ! 6 C

_ } 'S . ';2E2ed i?3' eat0 ~ 19ei332tl3e.f. .3,. }f~
.~'3i4' e.S <;?3IFiectiOi'E o si'?
avca}awc ftii :":`.H (i:tit:"f<.

2 t? s to t'3.`ti3?3 ., to E31;3.ffi3: f I fi<:Ei'ii:fi?3Y (Se: }etk;

=, 3?i3. V s N .L' 'te'. s;o k C>oe n..:33' ~. 't~:ie.ck..t 1S ? 33..3 Iv j1 3 E3-. t t3..f. .?
S.G C'SS
y<~E <+}f c tC}S fiee { 3 f ee E~` t <D 3f 1i;t s i t of cf pet it hot <t:?li:i , Sspalwe of the 3a?3i J~Ata S st :;CF:3U:~Ct wciic: t L E?. J.....c hiS doetcC.loaded t: pteetot F f3.:<%f3l ff tf.wat on. ?
}T<t33 f 3.1f?m ' host a fit r . of ..adtcc'i S e ice i Li'}ifle .:''CVO 1 3. l:?t t- 3~f9 32eot 'J`;.E}. } aer tsii}t'} tofnr3.2ai on is 3-o 3})}' fa 3t'e tEis. F' is ,jkc to :.:fa l ..a:3 :533 tma mod to 55 $ 3: rà with t ;if.'i ti3ce Availability is set to à i~}2v.3'fi3f . f:i;;se; a A vice A >t nt.catioi E.Cit' aC. ~t;ES, O3 s;yl-Et)i ug--to can My used L(?... ..3CC(:ssju& a"Ourt 1;.. l }.tt:. <tc .L.'i; tE .~ di f shipped :3'ti}aj 4 the Li co , Yr33" the } }t cc at: ft? the t ut u; fat;
i?: i:s E'e:CEiS`Efte<E :33' tote Di"v'f ;C. Can kf3:;' S;; i3 E3~f3e:

t i crib;-e nwit3 ?e ?~`~~ s. User <to elect ,.o coot 3 .'!N

f s ;?3s i`31iicnt ;3 oit.:iitn`f t ft~. in =.e.Ctf>\: f'E t 3AFf}:f'.f nc;stf3Tf tot- shin Ff3 ?Cff$i;t~. to a 3t <itsic si5t)tit ire.. t'`'hen E , icc3':f?',;u? p ?t;; the ties f:e.
oft' F.f3<i i33:}?fit 4s-i ; 3SE PdY'd?3'<

i3:SL'E t WO i:ic the 2Fi'S,:
tis3 ?ee, the p'.'fi3t33'i } iii33 ril 3;?a:f<h :3z1i 2i WNO N : S PI Y > t.1 is Ideafo v Not !\i?piheahie ,.sso 1. 3..:3. L 'IC E
tce hC?a \owt;{t , p: a?; :Vo4t'.Ie is hY'.t:: S
Sh phyqn os an ) t t ;iLc yS~.{ = tc,.,} all A,li.313#3 "\ 1 3d3J3,h is )Jl<a,;;: an h-uQrixt E?1 4s Sc`'i' }?. fl;ai Set c~ Ne <s k o c S tks the ia: 2 c ' . FE3 fee `E3Gf2f3 3 f set to EEE C Oe St ? POW and E to aci> t3. a3Ul:.
seiect his ,J, .?.red (3,> :i Nng.t.3 WW is 3.d to .;.
ff 2?t E3,;{, t ` :2 ::ii ? E 3F.3 ci?{lCfe fictwo it c se of .,E'{f'.....>:?ij 3t:i ;tiSS;fii rvect<totemoadand %i 3Ct;?Se to -i3tz t naii~
CSVESEOO '" .i3 f: 0' gwnl~ll 0) a dim Party to so F.='wehim.
}'hCfgW i bound to the 2 i EjC ~i:C ;{32d to t`?e netSVC?rk maw Wye A UNMed sod E.tS:.z CE'3 :,iii?t er reml back to memory the ----- ----------- - ----------------------------- - - ---- - -- - -----------------------OEM 1: W Pphone. Device whe ticatit). No l Af pE.<ahio } 4A 23:f.3C 3 .F cst s S .
'>?.3... ..xc to. ,.. i 2dC. iec:v a ta` 43? a celi}':hone) ?>t'eEd 32fff31:.:etne:'.E
Ãij=}>caon, est tle tite S .

...................................
?,;e.:d3te3i .':IfaFS .. i>,='3~!<::

:3p=?5 titt3: t?1' ?; the Ai.
t own MMAn . tztt?e: F3e31E

t appikadan (example part ;s&og FN ari .=v:
e ?e&z%smalso i3t the 2 t tid3.r,-tii .:NC.F the :S tE .> ect 0. c E.r.
2 ....>:'i ?:2.5'32FfE:Na :v?n .h ES t?et$eti>3;.. ter:
on hes - - - --------- ------------, >..:,;, DDDe<3C: Aif.hentEeetioe User has Eck c aii)e the dt:- ;.e- Ã'.e; t-. 3t. f.5) ! >., x.;33 ti' Men to the ÃyU vaM C4fi33:L'.f. Yt Q a et; n'er .i: G.,,.:t ct:Of3 WAS; k?Ã)A :.me as at `25,. m on be P.. 8:5=tc': Von ii 0. ce has Ei ctf ^ CCft 3 i:E i?; '.
à ^y goin ; to an S'.:'S no ; ehsite ii Fii'.ct y < en E.33:Sa?3:i?C.C:Es ..:: Ã? i. 3' Aceoteit as Ã;'it iit>S9'F'a33de ct=e the 0 1 and }2.e the :iev'Fre f^
UBS
proccs Mud w they deetee ' r...es See, i e autenne ------------------------------------- ---------------------------------...._.:.......---------- ---------------tun3J ON When }~I.3 ; ed cite i3;ti~the.r the dev e.1)etii4le.S 2;.ke I (3~ii 3:Ee2:"lt?f'Y iz.e.t'iCe p v Inc .;.z.. iaa tt is or example purposes only. The user dadal iai v ai <:ti3 'ti#t. ttw fi card using he si life., some, or different 1'ri?cesses without Lae a tiun front the scope el' this chsclosure.

' is a flow chart illustrating an example method 700 for automatically bootstrapping intelligent card in response to at least insertion into a lost device. In g;er d >, a`..ntiell gent: i {1 .id'.i<t exec Ite one or more authentication then procedures prior M.

cti a on. any of the steps in this flowchart may take place and-i' i ? -i3iay tFSe :'.F1ri;cls L"itti ?,a ,... a...`~ orders as shdown. System 100 or system :0.

addit...?.x;s eps, stets and of dilf:erent steps, so o it as e. me.i.ods rornda:in t , k,:thod `00 egin, at step #.'2 where. insertion .Fatf <a 3dl?St ti:tRi.:s? i Le t>C'1.':'; , For exa :t ple. the transaction card 1.12 ma'y' detect insertion itat s t.i tals>i?t,3 de. ice 1 1t?.
t s net required for tny aspect of flie intelligent card at decisional step t33ee execution e ds. e uthentic ation is required far (t lea ,t erie asp ct., t 'cn ':.,.ecuti . p ocee{$s to deeasimml stet; 0 i. 11 c<3r1"11"tiiiia cation v ith host de ice ins .udes is n: or bore rrora,, then, at step 708, a failure is indicated to tae use . 1n the e:Y Triple, flhc% transactiori card 112 may present ii:n i.ndication2? <a error to the a er using tide ?1 `l 11 1 . If a canursun;cation ergot as not det cted a di ci.sional stet 0' , dwt-i execution pr'oceed.s to decisionta.l step? a:1. 1na so.sic ., ,1s>E i3L.ntati4`>Z1:a, the intelligent c:caid uploadi in SE_) diivei to the lost device. if the. in C
igent card only.
tG:t..t. :3>. dot+:i ;il?l3entic at:ion. ti en exec itià n 11ioceeds `t'.3 deci F`onal S3.el? tt t-ie n t , .si'1~ ,"1 idticat:ion flag 3s not set to on, then, at step: !.14, tide . to 3 a t:s ati;'ried on idid dw :ir?iw t_iuent ctrl` is u1.?d:ated with host de `Ec.e s rgnature. As ft the example, W `

tr mactaon card 112 may activate t11e antenna for wirLless and update 3is tit rn to +>i ;? Sv ita the Bata =dcvict signature.. If the netAvork flag is t2`rned `n it decisional step :'1=' then, at step '16,, the intell gent card :i af3sm:its a ?'eq<? &t 'io, tJ ti `vvork t.D to the host device. Next, aà step 718, the >F1,3>1tg llt card d ti'iv S -oca y-swled network ID. If the sli-or d ,If .wo.-rk i) Mc. request.
network ti: ,-nz ch at decisional stie. 720, then the disk is activated at p 714. ?} t'e t yt? net b }.>,..,:,3 do net ni c.h, then The antenna is deactivated .it sty, 722, Returning to decisional step 710, if the authentication -'s not only physical <3e3ttiet3i :>.itF ?3'i, then jwxmut-i n proceeds to decisional step 721 If be aE#:Ãtenti :: R)#:1 E <:t13 1Tiits p ices F..ciudes M we authentication, then, at step 726 the i.F3te tigent card arequest o a network ) to the host device. At step 728. t 3e in l it enc...ard rel.F' ew"s a . 3, 'ii s o d deb'ici+ 1 ;I? tti C i. If the intelligent card doe's n'Ã
include at least i51'10 de bee signature, then execution proceeds to <ecisiona.i step 734; #<?eilt.
Card hick e one or #~aJ#'~. ,~ de-vice tii 31i,.Ãilrv:i, then execution pit,,:vt.E$
Es< dc,6-siortal step 732. one of the device signatures matches the request network 11), then execution p,roce ds to decisional step 734. If the ;itgn itures and the request r e-,vo:rk ID cdo not match, r0etr e'weation proceeds to s..: 3 22 bbl- deactivaÃioa. If user audentti anon is t$? not in the authentication pr's cess, then exe cut ion proceeds to +. +. e si',nal step 12 1 o ,3y`ica iiF#tileiit, i3.ti(?E3.. If user authentication is included at decisional step L .~n 734t .. 5~.~,L? c e#~1 proceeds to step 738, Returning to de. isional step 724, if the authentication process does not include e`.tevi:.: <3..:#_t-=#3 icat.i~'>T.i, then executio:#i proceeds to decisional stte? 3 6. ?b 3.ise#.
is not included in the process, idle#1, at step 72Z the iMelhgerd card K-,"

turned off i user authentication is WWI, then, at step 738, the il`elli ent card request N nu berr from the user using the ost device. 4 =t311i: the 11se:#'.
is described with respect to interim a PIN through the mobile os "'he user '1 ay be authenticated using other' inti?..A3a?`ion such as biomm etric 2 ti?ltte't 3lli l,t. 's?1li i'c;Ã-Ln ng Ão tile example, bC < .s a.liSon card ii.. may tYt. ,se$zt a t user ,h the FY I I `'= I . At step f't:it,~t for to#A~, ~~t.to enter a PIN ill#>>.

740, the intelligent card retrieves a ocatty stored PI . If the request PIN, and swred PIN match at decisionai ,,top 742, then execution proceeds to decisional Stogy. 12 for r33" ysi ?. <xta.?f ntication. If t O ' request PIN and E .Fe: stored PIN do, nun F` atch at r ii~e isio:n a>. step 742, then execution proceeds tiro decisional step 744, it the number of attempts .i..~ not exceeded i, spec lie thresh o i., then execution returns to step 73c8..

If the number of attempts has exceed to the threshold, Own 0,.w nth:>l#F t is deactivated at 72-2. In the example, if the event that. the transaction card 1.11.2. fails to futht?ti.I.e \i5 the -k %iF1C~,'C? Iti~$, the transaction cfrd 11 iaazi,' F#.iC~$y f:
iF'i;o?ialt an it.F ?cntio'ti, to the asocial d. fi?uncial institution using the cellular radio technology a he mo ?,le host device 114 In this case, the illust.i"atcd method .'00 may it e:
:i?npie:me.,,td as a fraud control process to substc'ant ally USC C?i the t.i'ans<i#...t > ca. d. 112.

RE 8 is an example call flow S-00 in accordance with some implementations of the paresi disclosure. As illustrated the fl?i?. 800 includes a network $02, a host device 804, an intelligent card and a :S -urinal 8(M. i Cie host device $0.. is configured to cC#tn alit i aate with the net: ork 802 and includes a slot for insertion of d w inte;ligent card 806. The i 1telligent card 806 is cf?1f#gare to transmit iC'i?aa ? .?t i5 to and receive Lima i7'C?m a user interface application b- ' ost de is 10 cind e ec to f..it`.sactjons I.i)i~C:i3Ã:.i1C ent CF Fat. e t ost d~.~ is $ I.: , f e Card $00 includes a COI 812 for executing t#caE?pia %ti{.}#1i and a wireless ehipset $14 he' ?iif: t e.r/ e~3 corn num aiin with the ter -ninal 808. The CPL..,' 812 executes a host :`,.` ?i?f~.,#<C%f ?.6 configured to tliit?\i` it commands in a f ..mm compatible witi? the device $".)4 <u xl convert data $:ro.111 the host crevice 804 to a f i m c.:
nipatible 3 ith the xP 812, As illuatFated, the 800 may include multiple` 82.0 bet een the host d z .ce $= a and the card $06 and between the card, 806 and the e.I'mi.Ii<al 808. The 'f? session 82Ni illustrates a session i3 an Fi::.,i by the *_ard 800 us -,q th network capabilities of the host de vice 81M In this example, the card .806 an,; uits data fu through a cellular network connected to the host dev ee SO '4, and after ea S'1,'-)2.
receiving t.a. cellula: ,l<Itia_ , the host st device 804 ! #elii;i`i.ilit; e the data to the . ?+.ets? a.t< :,Ili i'=> ? i `e tO receiving data from the network $02. the ios device $ ?4 may 25 transmit the received data to the card 806. In some the card $t>0 n-ay transmit a request for a device signature to the host device 804 oas t.l3i ., .t;t if in session 8 06. For exa a'Iple, the card 805 . , y request the de-Vice signature ...u.in4 a bootstrapping process. Ile session 820c illustrates that a, user may submit .=;ai> T?i. nds to the card $00 through the intt ii"sl . C?the host device $04. For example the user may request that the disk display tninsac6o'n history through the tnt.Ldace of the host d' .iS(A

some #i?I ??C:#?1C.i?a?#.f'i`Fli, the card 806 may receive a t 3 arlrna? ,d to ei,.uvate or dead :ate the antenna h our. i we host device 804 as illustrated in session 82f0d, For' e? chip..; financial institution may identify irregular i rlS'act on, and trail init iE
i;:L?nur,and thi'o gii the network S()2 to deactivate: th'f, c rd $()6. Ã>-.Fe; card S,06 F;ay anti. }:,z< a eist' by i'L aie.a fi ` a P114 using the it device 804. .As :3t?.Fs ate in session 820e, the user 'nay submit a PIN to the card $06 :smg the i?ite lace of the host device and in response to an evaluation of the submitted PIN, we Card 800 rimy present ;.sough the host device 804 an indication that the user verification is Successful or has W led, In some i:F pl m ntat1t?Ilti. a user and/or f i?,''_E? c.{ai i stitt: tion rFlny request aF tra,Saction l'F&tor- of the cud 806 as ilkweated in session 'F'or exs ntpie,..a i?tanciaal i stitution may transmit a request 11, ..)r the through the network $02 connected to the host device $04, and in re,-,pons to at least in :l'a.e rectum, the card 806 max transmit the transaction hi i-o tc l e>
i.E?tF1'F4 Fa 3 iiastitu-R, ill:'. network 802 ;:x) a-wcted to the host device 804. In Some the user III y present Mine Web pages Stored in `h card 806 as ??a:;<e':Fi.Ã
i.ll.ust. ated. in session $20. For t l-nple, the card 806 may receive a request to 't all page t'oln the user using the host device 804 and present the 3fiaC' page My the URL in the .request. in swne impleni;emtations, E ata stored in Ã
le El1`il1 ?iY' cl the card $06 may be presented t"kr tigh. fore arnpk+:k, the host, device 804 as illustrated. session 820. Pct' example, the user may request Spcxat,f: i:Flfor nat o.Fi associated with a transaction on a certain data and the card 06 nuiy r tiieve the data and pre?ci1, the daata to the we using the host device 80'41. In addition, the usar may :4'i rte data to the memory in the earn(] $06 its illustrates in session 820x.
.. o fi ample, the user" ` my update transaction data with an armor :tion, and in response to at least the ripest, we . aa'c. 806 may indicate whether the update ` its a success or failure.

regards to session between the curd S06 and the temrii?za, the o ow 800 il,Ãustrate s the t?e suraalizalÃoil session 820k and the transaction s i ir $201. hi regards to lli i~:::sa11i::at ?lal a financial institution }1 may with personalize card ar, 8-,'.)6 rjis; user 4e,,, and or other information as illustrated in ere ntiaals, user a ? 3 Iv<1 lit?1S. Web pa, e session 2..1.. For example, the terminal 808 may transi31Ã.t ra provisioning Lequest to the cud 806 including associated data. The protocol translation 8? R. ma ' translate the .a s s e t eo at least "i, Compatible yt'it~e\ the ~'.`<ai2< ~i .6In ~..>. re p,...y~'. a `i~: `.?Llso> <tl>..<ltit`il. rvi;3:'0.?, to a .<?:,, the requ: st, the ('PU 8.12 transmit an indication whether the pe sonali .aatt.on. ;i aFs a success or not using the protocol translation 818. Prior to the MAY execudog trcansa :.x..,n, be terminal 808 may submit a 'ral.Fsa Lion challenge to the cod S06 as ilk. ` trat :.. in <essic>?:i 8201, In this case, the card 806 nmy identif {
iFovi.,.t. sigilature of ,he ho, :. >;. ti.,ce $04. Pre sell", associated data tc, the user ttli't?Fig}{ F e: loo: i vii:.. 84 0 , and .:am"aõ the sipnaturo to the ts..r liiaai $08 F?sit3 he Protocol 'Franslatit 8's, i' Y<1:=.i .1a. 9 is ii flow chart illustrating an example t?Iil::iod 900 to..
is #Z {t:? ?N;. a ;i {is,~'.as ? z o:" i2` i.?{;: ' ' k. ii inc udni an Iliti l.i Ci2t card, Ii Tci..tal. <u iiitclfige {
card ilii ` execute one or more activation processes in response to, ib rexamplle, a 3'ii:{#?n Own a user Many of the steps hi this iilay take EtS:ck--.

anit%o#" in d t e en orders as shown. System 1+.?+? or system kUU may use with additional steps, f vei' steps, and/or different long as the 0 i.i etei ~d i)main tuipi pi'iate.

~ g s Li re to activate a transac~t.io n card is :y1 3i1tl a ~`ii I .. ii . M step : F)2 Llii'.it. ^u.- <:t~ltt.`? t ':.

~ the i'ecei ?.d.. .,' example, the user ma:{' sdmL a graphical element t isplayed t11 oF igh Mil II 1 of a .spot?ile host device I10 in FIGURE, 1. 6f as am" ma activation;
is request to :i,t.. '<li+. the <l, 3w iaiti' included <. :: r I . ,t:),#..li3 il . tt~E? .3Li=ri. s, then at step a tit 90Ã ' request d i5 financial account is vvirolesily t allsmittod to financial iusf.iition using cellular radio t .ihno.r:; the devi . For t aili11l1G, the transaction card . 1 2c1 t f l'IG
'RE 2 .Y of nta vle +s transmit an activation request to the hilatnc.al lilstit0.::
;i) l06 as?i?g tea-celliil ... #:3i::o t' i::1i?ai?li?gy of the mobile host des-ice i i Od. 1t in account activation is not included, then ex >cution proceeds to decisional step 908. 1t card is no 20 #t,`.i=1?Iiie ., ..en- execution ends. If card aelvatj.on is included, then executioa proceeds to de:: is: al step 910. Et a)l activation code is not included, then at step 911 one or more questions are presented to the user using the 0 ;1 of the t deice. I'.., l.i alnl to the initial exat iplle,, the transaction card 11' may identify locally stored nuestions and present the questions to the user us.in4 the i3t. I 111 of the :mobile 2 host vice 1 At step 9A locally-stored answers to the programmed questions are ident..ia d. Returning to decisional -stop 9111, if an activation code is include d= t1len e 4cF,tio proceeds to decisional step 916. if the activation code is nlanua1 '`r entered by Q uses, then at 3ttp 918, a request for the activation .code is presented ?o the user l <u gh the of the IT~.: a.~ . I?`'. host de'v'ice. In the initial example , the transaction card t'l#1 i.. GUI T30 112 may ; ~ 7s?. request ti. v.z an Fi z#'i code such as a _.
string of E <.,.>.tct: is to the .. .s~,=eiit a Gtzl"a:tit user t>.F?> the, ~3'{ l oft he host is t:~'1..G 110. If the activation code is not #;i,. ~:l 1 1 he l.i~i(:~ i~

t ita -F lly ~i.tereil. by, fie user, then at step 920, the tritnscte:ion card ,ii;el sslZ= ttans:mits 3 >v es . o. the activation code using the cellular radio technology of tilt~
heist devicce.
:l l ..

In the redul,ar example, tile transaction card ? 112 may transmit a Fegwz"t to the finnan cial A3 l <
F 1t#_,.E.A.te Using Using g C, tile cellular lcellular tiLtwE?f1e 202, either <<'3s`, the >E3<;<3Et`c..,Ft<?:i''iF

activation code is identified at step 921 If the locally stored iniorn,, :t o matches the inforlalation a, decisional step 924, then at step 926, the transaction card is zz:tivated1. :"'or example. the transaction card 112 n-ia activ'ate in re lie+.3 +. to at least a user 'Ii e ..t:. a ti'latc. ing activation code through the GUI 111. if tlle provided Ft?tE# i3i3t.on does notiatc n the locally stored iF"I1'6im aOo#1, then e xi c ziot. ends.

3 . < : 1 t A and 1013 illustrate e aini ?Ie . canis 1000 and l F z, nes12e..:
?:~ ~ ~:;
.1'h?t' the transaction card 11.2 of . ('R Ri: 1. For exa.r npf the transaction cards " i : + 1 1 .may be inserted into he cards 1000 and 1020 during the )<?'scin #1i:?,.F3.E #F process and/or E...smnouuo n processes. By executing personali atiwl wI.111c inserted, the mransact3on cards 112 may be personalized using the same systems used to personahze si?Far: cards with substantially no alteiations. In other words, the cards WOO
atnd 1;220 may av4~ s.ahstarrfi'aly similar di mensions as smart card such that ?3 ;?F?<F1F :l.ttE<?F:E

tcius in similarly process the cards 1000 and/or to 1020. In H(IFI.. Ãi1: OA, the a'si<:, card 1000 includes ii slot 1002 1o'"#'Fles:1 to hold ;. the transaction t`iiF'if 112, For . <aFi.,.:# Y~

the slot 1002 may retain he transaction card using a friction,:.t fit , e: ch as int lln tl serratioris.. when rE ta..t#led. 3:n the slot 1002, the tratrisaetio.o card 112 may be substantially flush with the front and back. surfaces of the card 1000, In 1e,3+.Jf~l 1013, %1>c'. E:ard .020 includes a pocket 1. t1A :.1 for retaining : he t?'ansa>, ti 3n ;,ar 112 at lust <ncl¾ac dace of the card 1020. n some implet?~entations th ?'E:i lt:Y1t1 `an(:
1020 i3,. e de i1Fi #..t e strips to execute contact transactions, A .: t.# nlber of embodiments of the invention have 1?eeli Ek sc a1?ed. \e verthelc s.
it b i3.l be t#itderst'i?l#t:l t13 it T':33'3E? TS .il1odif cats its inay be ruade without zt: parol a? front the spi t . ? > i op of the. invention. Accordingly. other embodiments are w ..ilrn the sc.,-)Po :`?'the 1,61.1o wing claims.

Claims (27)

1. A card, comprising:
a physical interface that interfaces the card with a mobile host device including a Graphical User Interface (GUI), wherein the card executes wireless transactions independent of the mobile host device and presents and receives information through the GUI of the mobile host device;
memory that stores offline Web pages, and a Web server module that dynamically generates at least one offline Web page in response to at least an event and presents the generated offline Web page to a user using the GUI.
2. The card of claim 1, wherein dynamically generates comprises dynamically updating the at least one of the offline Web pages.
3. The card of claim 1, wherein the physical interface comprises at least one of a SecureDigital (SD) interface, a miniSD interface, a microSD
interface, a MMC interface, a firewire, an iDock interface, or a Universal Serial Bus *USB) interface.
4. The card of claim 1, wherein the offline Web pages are stored in the memory based, at least in part, on Uniform Resource Locator (URL) addresses.
5. The card of claim 1, wherein the mobile host device presents the generated offline Web page through a browser presented through the GUI, the Web server module transmits the generated offline Web page to the host-device browser using Hypertext Transfer Protocol (HTTP).
6. The card of claim 1, wherein the offline Web pages are rendered in at least one of a HyperText Markup Language (HTML) format, a Extensible Hypertext Markup Language (XHTML) format, a Wireless Markup Language (WML) format, or a Extensible Markup Language (XML) format.
7. The card of claim 1, the Web server module further transmits a request to identify capabilities of the browser on the mobile host device, wherein the at least one Web page is generated based, at least in part, on the identified capabilities.
8. The card of claim 1, wherein the generated offline Web page includes a hyperlink to a site on the Internet such that the mobile host device accesses an associated Website using an Internet connection of the mobile host device.
9. The card of claim 1, wherein the memory further stores at least one application, the event comprises a first event, the Web server module loads the at least one application onto the host device in response to at least a second event such that the host device executes the at least one application.
10. The card of claim 1, the memory further stores a browser application, the Web server module further transmits loads the browser application onto the mobile host device.
11. The card of claim 1, wherein the at least one application is stored in the secured memory using a URL address.
12. The card of claim 1, further comprising an Operating System (OS) with a runtime environment that executes the Web server module independent of the mobile host device.
13. The card of claim 1, wherein the memory further stores one or more applications configured to dynamically update one or more of the offline Web pages.
14. A method, comprising:
interfacing a card with a mobile host device including a Graphical User Interface (GUI), wherein the card executes wireless transactions independent of the mobile host device and presents and receives information through the GUI of the mobile host device;
storing offline Web pages in the card, dynamically generating at least one offline Web pages in response to at least an event, and presenting the generated offline Web page to a user using the GUI of the mobile host device.
15. The method of claim 14, wherien dynamically generating comprises dynamically updating the at least one of the offline Web pages.
16. The method of claim 14, wherein the interface comprises at least one of a SD interface, a miniSD interface, a microSD interface, a MMC, a firewire interface, and iDock interface, or a USB interface.
17. The method of claim 14, wherein the generated offline Web pages are stored based, at least in part, on URL addresses.
18. The method of claim 14, wherein the generated offline Web page are presented through a browser, the method further comprising transmitting the generated offline Web page to the host-device browser using HTTP.
19. The method of claim 14, wherein the offline Web pages are stored in at least one of an HTML format, an XHTML format, an WML format, or an XML
format.
20. The method of claim 14, further comprising transmitting a request to the mobile host device to identify capabilities, wherein the offline Web page is generated based, at least in part, on the identified capabilities.
21. The method of claim 14, wherien the generated offline Web page includes a hyperlink to a site on the Internet such that the mobile host device accesses an associated Website using an Internet connection of the mobile host device.
22. The method of claim 14, wherein the event comprises a first event, the method further comprising loading at least one application onto the mobile host device in response to at least a second event such that the mobile host device executes the at least one application.
23. The method of claim 14, further comprising storing a Web browser application in the card, and uploading the Web browser application onto the mobile host device.
24. The method of claim 14, wherein the at least one application is stored using a URL address.
25. The method of claim 14, executing the Web server module in a runtime environment in the card independent of the mobile host device.
26. The method of claim 14, further storing one or more applications configured to dynamically update one or more of the offline Web pages.
27. A system, comprising:
a means for interfacing a card with a mobile host device including a GUI, wherein the card executes wireless transactions independent of the mobile host device and presents and receives information through the GUI of the mobile host device, a means for storing offline Web pages in the card;
a means for dynamically generating at least one offline Web pages in response to at least an event, and a means for presenting the identified offline Web page to a user using the GUI
of the mobile host device.
CA2698890A 2007-09-12 2008-09-11 Presenting web pages through mobile host devices Abandoned CA2698890A1 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US97181307P 2007-09-12 2007-09-12
US60/971,813 2007-09-12
US12/205,814 US20090070691A1 (en) 2007-09-12 2008-09-05 Presenting web pages through mobile host devices
US12/205,814 2008-09-05
PCT/US2008/076006 WO2009036165A1 (en) 2007-09-12 2008-09-11 Presenting web pages through mobile host devices

Publications (1)

Publication Number Publication Date
CA2698890A1 true CA2698890A1 (en) 2009-03-19

Family

ID=40119295

Family Applications (8)

Application Number Title Priority Date Filing Date
CA2698890A Abandoned CA2698890A1 (en) 2007-09-12 2008-09-11 Presenting web pages through mobile host devices
CA2698891A Active CA2698891C (en) 2007-09-12 2008-09-11 Selectively switching antennas of transaction cards
CA2698417A Abandoned CA2698417A1 (en) 2007-09-12 2008-09-11 Wirelessly executing transactions with different enterprises
CA2698885A Abandoned CA2698885A1 (en) 2007-09-12 2008-09-11 Interfacing transaction cards with host devices
CA2698684A Expired - Fee Related CA2698684C (en) 2007-09-12 2008-09-12 Updating mobile devices with additional elements
CA2699448A Abandoned CA2699448A1 (en) 2007-09-12 2008-09-12 Wirelessly accessing broadband services using intelligent covers
CA2699456A Abandoned CA2699456A1 (en) 2007-09-12 2008-09-12 Receiving broadcast signals using intelligent covers for mobile devices
CA2697759A Abandoned CA2697759A1 (en) 2007-09-12 2008-09-12 Wirelessly executing financial transactions

Family Applications After (7)

Application Number Title Priority Date Filing Date
CA2698891A Active CA2698891C (en) 2007-09-12 2008-09-11 Selectively switching antennas of transaction cards
CA2698417A Abandoned CA2698417A1 (en) 2007-09-12 2008-09-11 Wirelessly executing transactions with different enterprises
CA2698885A Abandoned CA2698885A1 (en) 2007-09-12 2008-09-11 Interfacing transaction cards with host devices
CA2698684A Expired - Fee Related CA2698684C (en) 2007-09-12 2008-09-12 Updating mobile devices with additional elements
CA2699448A Abandoned CA2699448A1 (en) 2007-09-12 2008-09-12 Wirelessly accessing broadband services using intelligent covers
CA2699456A Abandoned CA2699456A1 (en) 2007-09-12 2008-09-12 Receiving broadcast signals using intelligent covers for mobile devices
CA2697759A Abandoned CA2697759A1 (en) 2007-09-12 2008-09-12 Wirelessly executing financial transactions

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US (26) US8109444B2 (en)
EP (8) EP2201541A1 (en)
JP (3) JP2010541036A (en)
KR (2) KR101354804B1 (en)
CN (3) CN101809633B (en)
AT (2) ATE546947T1 (en)
AU (3) AU2008298886B2 (en)
BR (3) BRPI0816324A2 (en)
CA (8) CA2698890A1 (en)
ES (1) ES2388695T3 (en)
HK (3) HK1145237A1 (en)
MX (2) MX2010002838A (en)
MY (2) MY152556A (en)
PL (1) PL2196010T3 (en)
SG (2) SG184734A1 (en)
WO (9) WO2009036191A2 (en)

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